© 2016 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

United States Bankruptcy Court

IN RE: Case No. 

Debtor(s)

Chapter 

Number of Creditors 

The above-named Debtor(s) hereby verifies that the list of creditors is true and correct to the best of my (our) knowledge.

Date: 

Debtor

Joint Debtor

Northern District of Illinois, Eastern Division

VERIFICATION OF CREDITOR MATRIX

Kanarowski, Michael & Kanarowski, Judy 7

74

August 2, 2016 /s/ Michael Kanarowski

/s/ Judy Kanarowski

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Amr Eagle Bk

556 Randall Rd

South Elgin, IL 60177-3315

At&T Universal Citi Card

PO Box 6500

Sioux Falls, SD 57117-6500

Bank of America

NC4-105-03-14

PO Box 26012

Greensboro, NC 27420-6012

Bank of America

PO Box 982238

El Paso, TX 79998-2238

Capital One

PO Box 30285

Salt Lake City, UT 84130-0285

Capital One / Carson

PO Box 30253

Salt Lake City, UT 84130-0253

Capital One / Comp U

PO Box 30253

Salt Lake City, UT 84130-0253

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Capital One Bank USA N

15000 Capital One Dr

Richmond, VA 23238-1119

Carico International

2851 W Cypress Creek Rd

Fort Lauderdale, FL 33309-1705

Carico Intl

Attn:Margie/Collections Dept

2851 W Cypress Creek Rd

Fort Lauderdale, FL 33309-1705

Chase

PO Box 24696

Columbus, OH 43224-0696

Chase

Attn: Correspondence Dept

PO Box 15298

Wilmington, DE 19850-5298

Chase Bank USA, NA

PO Box 15298

Wilmington, DE 19850-5298

Chase Card

PO Box 15298

Wilmington, DE 19850-5298

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Chase Card Services

Attn: Correspondence

PO Box 15298

Wilmington, DE 19850-5298

Chase Mtg

PO Box 24696

Columbus, OH 43224-0696

Citibank/Best Buy

Centralized Bankruptcy/CitiCorp Credit S

PO Box 790040

Saint Louis, MO 63179-0040

Citibank/the Home Depot

Citicorp Credit Srvs/Centralized Bankrup

PO Box 790040

Saint Louis, MO 63179-0040

Citicards Cbna

701 E 60th St N

Sioux Falls, SD 57104-0432

Comenity Bank/Avenue

PO Box 182789

Columbus, OH 43218-2789

Comenity Bank/Carsons

3100 Easton Square Pl

Columbus, OH 43219-6232

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Comenity Bank/Carsons

PO Box 182125

Columbus, OH 43218-2125

Comenity Bank/Sizes

PO Box 182125

Columbus, OH 43218-2125

Credit One Bank NA

PO Box 98873

Las Vegas, NV 89193-8873

Credit One Bank NA

PO Box 98875

Las Vegas, NV 89193-8875

Fmc-Omaha Service Ct

PO Box BOX542000

Omaha, NE 68154

Ford Motor Credit

PO Box 62180

Colorado Springs, CO 80962-2180

Franklin Collection Sv

2978 W Jackson St

Tupelo, MS 38801-6731

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Hsbc/Comp

Attention: HSBC Retail Services

PO Box 5264

Carol Stream, IL 60197-5264

Illinois Collection SE

8231 185th St Ste 100

Tinley Park, IL 60487-9356

Infiniti Financial Services

Attn: Bankruptcy

8900 Freeport Pkwy

Irving, TX 75063-2409

Infiniti Motor Accep

990 W 190th St

Torrance, CA 90502-1014

Jpmorgan Chase Bank

PO Box 24696

Columbus, OH 43224-0696

Kohls/Capital One

PO Box 3120

Milwaukee, WI 53201-3120

Kohls/Capital One

N56 W 17000 Ridgewood Dr

Menomonee Falls, WI 53051

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Macy's/dsnb

9111 Duke Blvd

Mason, OH 45040-8999

Natl Tire&Battery/Cb

PO Box 6497

Sioux Falls, SD 57117-6497

Nissan Motor Acceptanc

PO Box 660360

Dallas, TX 75266-0360

NTB/CBSD

CitiCards Private Label Centralized Bank

PO Box 20507

Kansas City, MO 64195-0507

Peoples Engy

200 E Randolph St

Chicago, IL 60601-6436

Peoples Gas

200 E Randolph St Fl 20

Chicago, IL 60601-6431

Rogers & Hollands Je

PO Box 879

Matteson, IL 60443-0879

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Sallie Mae

Attn: Navient

PO Box 9500

Wilkes-Barr, PA 18873

Sears/Cbna

PO Box 6282

Sioux Falls, SD 57117-6282

Slm Financial Corp

PO Box 9500

Wilkes Barre, PA 18773-9500

Springleaf Finance, Inc

601 NW 2nd St

Evansville, IN 47708-1013

Springleaf Financial S

600 NW 2nd St

Evansville, IN 47708-1014

Syncb/Abt Electronics

C/o

PO Box 965036

Orlando, FL 32896-5036

Syncb/jc Penneys

PO Box 965007

Orlando, FL 32896-5007

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Syncb/lord & Tay

PO Box 965015

Orlando, FL 32896-5015

Syncb/Lord & Taylor

PO Box 103104

Roswell, GA 30076-9104

Syncb/lowes

PO Box 956005

Orlando, FL 32896

Syncb/Mohawk Color Ctr

C/o

PO Box 965036

Orlando, FL 32896-5036

Syncb/toysrus

PO Box 965005

Orlando, FL 32896-5005

Syncb/toysrus

Attn: Bankrupty

PO Box 103104

Roswell, GA 30076-9104

Syncb/toysrusdc

Attn: Bankrupty

PO Box 103104

Roswell, GA 30076-9104

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Syncb/toysrusdc

PO Box 965005

Orlando, FL 32896-5005

Syncb/Walmart DC

PO Box 965024

Orlando, FL 32896-5024

Synchrony Bank/ Jc Penneys

PO Box 965064

Orlando, FL 32896-5064

Synchrony Bank/Avb Buying Group

PO Box 965064

Orlando, FL 32896-5064

Synchrony Bank/Lowes

PO Box 965064

Orlando, FL 32896-5064

Synchrony Bank/Mohawk Color

PO Box 965064

Orlando, FL 32896-5064

Synchrony Bank/Walmart

PO Box 965064

Orlando, FL 32896-5064

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Target

C/O Financial & Retail Services Mailstop

PO Box 9475

Minneapolis, MN 55440-9475

Target National Bank

Minneapolis, MN 55440-0673

Td Bank USA/Targetcred

PO Box 673

Minneapolis, MN 55440-0673

Thd/Cbna

PO Box 6497

Sioux Falls, SD 57117-6497

Universal Cd Cbna

PO Box 6241

Sioux Falls, SD 57117-6241

US Bank

Attn: Bankruptcy Dept

PO Box 5229

Cincinnati, OH 45201-5229

US Bank Line of Cred

PO Box 5227

Cincinnati, OH 45201-5227

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US Bk Rms Cc

PO Box 108

Saint Louis, MO 63166-0108

Visa Dept Store National Bank

Attn: Bankruptcy

PO Box 8053

Mason, OH 45040-8053

World's Foremost Bank, NA

4800 NW 1st St Ste 300

Lincoln, NE 68521-4463

Worlds Foremost Bank N

4800 NW 1st St Ste 300

Lincoln, NE 68521-4463

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© 2016 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

B201B (Form 201B) (12/09)

IN RE: Case No. 

Debtor(s)

Chapter 

UNDER § 342(b) OF THE BANKRUPTCY CODE

Certificate of [Non-Attorney] Bankruptcy Petition Preparer

I, the [non-attorney] bankruptcy petition preparer signing the debtor’s petition, hereby certify that I delivered to the debtor the attached

notice, as required by § 342(b) of the Bankruptcy Code.

Printed Name and title, if any, of Bankruptcy Petition Preparer

Address:

X

Signature of Bankruptcy Petition Preparer of officer, principal, responsible person, or

partner whose Social Security number is provided above.

Social Security number (If the bankruptcy

petition preparer is not an individual, state

the Social Security number of the officer,

principal, responsible person, or partner of

the bankruptcy petition preparer.)

(Required by 11 U.S.C. § 110.)

Certificate of the Debtor

I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy Code.

Printed Name(s) of Debtor(s)

X

Signature of Debtor Date

Case No. (if known) X

Signature of Joint Debtor (if any) Date

Instructions: Attach a copy of Form B 201A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code.

Use this form to certify that the debtor has received the notice required by 11 U.S.C. § 342(b) only if the certification has

NOT been made on the Voluntary Petition, Official Form B1. Exhibit B on page 2 of Form B1 contains a certification by the debtor’s

attorney that the attorney has given the notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on

page 3 of Form B1 also include this certification.

United States Bankruptcy Court

Northern District of Illinois, Eastern Division

CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)

Kanarowski, Michael & Kanarowski, Judy 7

Kanarowski, Michael & Kanarowski, Judy /s/ Michael Kanarowski 8/02/2016

/s/ Judy Kanarowski 8/02/2016

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Fill in this information to identify your case:

United States Bankruptcy Court for the:

NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number (if known) Chapter you are filing under:  Chapter 7

 Chapter 11

 Chapter 12

 Chapter 13  Check if this an amended

filing

Official Form 101

Voluntary Petition for Individuals Filing for Bankruptcy 12/15

The bankruptcy forms use you and Debtor 1 to refer to a debtor filing alone. A married couple may file a bankruptcy case together—called a joint case—and in joint cases, these forms use you to ask for information from both debtors. For example, if a form asks, “Do you own a car,”the answer would be yes if either debtor owns a car. When information is needed about the spouses separately, the form uses Debtor 1 and Debtor 2 to distinguish

between them. In joint cases, one of the spouses must report information as Debtor 1 and the other as Debtor 2. The same person must be Debtor 1 in all of the forms.

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If more

space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every

question.

Part 1: Identify Yourself

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

1. Your full name Write the name that is on

your government-issued

picture identification (for example, your driver's

license or passport).

Bring your picture

identification to your meeting with the trustee.

Michael Judy

First name First name

Middle name Middle name

Kanarowski Kanarowski

Last name and Suffix (Sr., Jr., II, III) Last name and Suffix (Sr., Jr., II, III)

2. All other names you have used in the last 8 years

Include your married or

maiden names.

3. Only the last 4 digits of

your Social Security number or federal

Individual Taxpayer

Identification number

(ITIN)

xxx-xx-1880 xxx-xx-1855

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

4. Any business names and

Employer Identification Numbers (EIN) you have used in the last 8 years  I have not used any business name or EINs.  I have not used any business name or EINs.

Include trade names and

doing business as names Business name(s) Business name(s)

EINs EINs

5. Where you live If Debtor 2 lives at a different address:

7412 N Oleander Ave

Chicago, IL 60631-4310

Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code

Cook

County County

If your mailing address is different from the one

above, fill it in here. Note that the court will send any

notices to you at this mailing address.

If Debtor 2's mailing address is different from yours, fill it in

here. Note that the court will send any notices to this mailing

address.

Number, P.O. Box, Street, City, State & ZIP Code Number, P.O. Box, Street, City, State & ZIP Code

6. Why you are choosing

this district to file for bankruptcy

Check one:

 Over the last 180 days before filing this petition, I

have lived in this district longer than in any other district.

 I have another reason. Explain. (See 28 U.S.C. § 1408.)

Check one:

 Over the last 180 days before filing this petition, I have

lived in this district longer than in any other district.

 I have another reason. Explain. (See 28 U.S.C. § 1408.)

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 2

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 2: Tell the Court About Your Bankruptcy Case

7. The chapter of the Bankruptcy Code you are

choosing to file under

Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form

2010)). Also, go to the top of page 1 and check the appropriate box.  Chapter 7

 Chapter 11

 Chapter 12

 Chapter 13

8. How you will pay the fee  I will pay the entire fee when I file my petition. Please check with the clerk’s office in your local court for more details about how you may pay. Typically, if you are paying the fee yourself, you may pay with cash, cashier’s check, or money order.

If your attorney is submitting your payment on your behalf, your attorney may pay with a credit card or check with a

pre-printed address.  I need to pay the fee in installments. If you choose this option, sign and attach the Application for Individuals to Pay The Filing Fee in Installments (Official Form 103A).

 I request that my fee be waived (You may request this option only if you are filing for Chapter 7. By law, a judge may, but is not required to, waive your fee, and may do so only if your income is less than 150% of the official poverty line that applies to

your family size and you are unable to pay the fee in installments). If you choose this option, you must fill out the Application

to Have the Chapter 7 Filing Fee Waived (Official Form 103B) and file it with your petition.

9. Have you filed for bankruptcy within the last

8 years?

 No.

Yes. District When Case number

District When Case number

District When Case number

10. Are any bankruptcy cases pending or being filed by

a spouse who is not filing

this case with you, or by

a business partner, or by

an affiliate?

 No

Yes.

Debtor Relationship to you

District When Case number, if known Debtor Relationship to you

District When Case number, if known

11. Do you rent your

residence?

 No. Go to line 12.

Yes. Has your landlord obtained an eviction judgment against you and do you want to stay in your residence?

 No. Go to line 12.

 Yes. Fill outInitial Statement About an Eviction Judgment Against You (Form 101A) and file it with this

bankruptcy petition.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 3

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 3: Report About Any Businesses You Own as a Sole Proprietor

12. Are you a sole proprietor of any full- or part-time business?

 No. Go to Part 4.

Yes. Name and location of business

A sole proprietorship is a

business you operate as an

individual, and is not a

separate legal entity such as a corporation, partnership, or LLC.

Name of business, if any

If you have more than one

sole proprietorship, use a

separate sheet and attach it

to this petition.

Number, Street, City, State & ZIP Code

Check the appropriate box to describe your business:  Health Care Business (as defined in 11 U.S.C. § 101(27A))

 Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B))

 Stockbroker (as defined in 11 U.S.C. § 101(53A))

 Commodity Broker (as defined in 11 U.S.C. § 101(6))

 None of the above

13. Are you filing under Chapter 11 of the Bankruptcy Code and are

you a small business debtor?

If you are filing under Chapter 11, the court must know whether you are a small business debtor so that it can set appropriate

deadlines. If you indicate that you are a small business debtor, you must attach your most recent balance sheet, statement of operations, cash-flow statement, and federal income tax return or if any of these documents do not exist, follow the procedure in 11

U.S.C. 1116(1)(B).

For a definition of small

business debtor, see 11

U.S.C. § 101(51D).  No. I am not filing under Chapter 11.

 No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy

Code.

Yes.

I am filing under Chapter 11 and I am a small business debtor according to the definition in the Bankruptcy Code.

Part 4: Report if You Own or Have Any Hazardous Property or Any Property That Needs Immediate Attention

14. Do you own or have any

property that poses or is

alleged to pose a threat of

imminent and identifiable hazard to public health or safety? Or do you own

any property that needs

immediate attention?

 No.

Yes. What is the hazard?

If immediate attention is needed, why is it needed?

For example, do you own

perishable goods, or

livestock that must be fed, or a building that needs urgent repairs?

Where is the property?

Number, Street, City, State & Zip Code

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 4

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 5: Explain Your Efforts to Receive a Briefing About Credit Counseling

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case): 15. Tell the court whether you have received a briefing about credit counseling.

The law requires that you

receive a briefing about credit counseling before you

file for bankruptcy. You must truthfully check one of

the following choices. If you

cannot do so, you are not

eligible to file.

If you file anyway, the court can dismiss your case, you will lose whatever filing fee

you paid, and your creditors

can begin collection

activities again.

You must check one: You must check one:

 I received a briefing from an approved credit counseling agency within the 180 days before I

filed this bankruptcy petition, and I received a

certificate of completion. Attach a copy of the certificate and the payment plan,

if any, that you developed with the agency.

 I received a briefing from an approved credit counseling agency within the 180 days before I filed

this bankruptcy petition, and I received a certificate of completion. Attach a copy of the certificate and the payment plan, if any,

that you developed with the agency.  I received a briefing from an approved credit counseling agency within the 180 days before I

filed this bankruptcy petition, but I do not have a

certificate of completion. Within 14 days after you file this bankruptcy petition, you MUST file a copy of the certificate and payment

plan, if any.

 I received a briefing from an approved credit counseling agency within the 180 days before I filed

this bankruptcy petition, but I do not have a certificate of completion. Within 14 days after you file this bankruptcy petition, you MUST file a copy of the certificate and payment plan, if any.  I certify that I asked for credit counseling

services from an approved agency, but was unable to obtain those services during the 7

days after I made my request, and exigent circumstances merit a 30-day temporary waiver of the requirement.

To ask for a 30-day temporary waiver of the

requirement, attach a separate sheet explaining what efforts you made to obtain the briefing, why you were

unable to obtain it before you filed for bankruptcy, and what exigent circumstances required you to file this

case. Your case may be dismissed if the court is dissatisfied with your reasons for not receiving a

briefing before you filed for bankruptcy.

If the court is satisfied with your reasons, you must still receive a briefing within 30 days after you file. You must file a certificate from the approved agency, along with a copy of the payment plan you developed,

if any. If you do not do so, your case may be

dismissed.

Any extension of the 30-day deadline is granted only

for cause and is limited to a maximum of 15 days.

 I certify that I asked for credit counseling services

from an approved agency, but was unable to obtain

those services during the 7 days after I made my

request, and exigent circumstances merit a 30-day

temporary waiver of the requirement.

To ask for a 30-day temporary waiver of the requirement, attach a separate sheet explaining what efforts you made to

obtain the briefing, why you were unable to obtain it before

you filed for bankruptcy, and what exigent circumstances

required you to file this case. Your case may be dismissed if the court is dissatisfied with

your reasons for not receiving a briefing before you filed for bankruptcy.

If the court is satisfied with your reasons, you must still

receive a briefing within 30 days after you file. You must file

a certificate from the approved agency, along with a copy of

the payment plan you developed, if any. If you do not do so, your case may be dismissed. Any extension of the 30-day deadline is granted only for cause and is limited to a maximum of 15 days.

 I am not required to receive a briefing about credit counseling because of:  I am not required to receive a briefing about credit counseling because of:  Incapacity.

I have a mental illness or a mental deficiency

that makes me incapable of realizing or making

rational decisions about finances.

 Incapacity.

I have a mental illness or a mental deficiency that

makes me incapable of realizing or making rational

decisions about finances.  Disability.

My physical disability causes me to be unable

to participate in a briefing in person, by phone, or through the internet, even after I reasonably

tried to do so.

 Disability.

My physical disability causes me to be unable to

participate in a briefing in person, by phone, or through

the internet, even after I reasonably tried to do so.  Active duty.

I am currently on active military duty in a

military combat zone.

 Active duty.

I am currently on active military duty in a military

combat zone.

If you believe you are not required to receive a briefing

about credit counseling, you must file a motion for waiver credit counseling with the court.

If you believe you are not required to receive a briefing about credit counseling, you must file a motion for waiver of credit counseling with the court.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 5

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 6: Answer These Questions for Reporting Purposes

16. What kind of debts do

you have?

16a. Are your debts primarily consumer debts? Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”  No. Go to line 16b.

 Yes. Go to line 17.

16b. Are your debts primarily business debts? Business debts are debts that you incurred to obtain money

for a business or investment or through the operation of the business or investment. No. Go to line 16c.

 Yes. Go to line 17.

16c. State the type of debts you owe that are not consumer debts or business debts

17. Are you filing under Chapter 7?

 No. I am not filing under Chapter 7. Go to line 18.

Do you estimate that after any exempt property is

excluded and

administrative expenses

are paid that funds will be

available for distribution

to unsecured creditors?

Yes.

I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and administrative expenses are

paid that funds will be available to distribute to unsecured creditors?

 No

Yes

18. How many Creditors do

you estimate that you

owe?

 1-49

 50-99

 100-199

 200-999

 1,000-5,000

 5001-10,000

 10,001-25,000

 25,001-50,000

 50,001-100,000

 More than100,000

19. How much do you

estimate your assets to

be worth?

 $0 - $50,000

 $50,001 - $100,000

 $100,001 - $500,000

 $500,001 - $1 million

 $1,000,001 - $10 million

 $10,000,001 - $50 million

 $50,000,001 - $100 million

 $100,000,001 - $500 million

 $500,000,001 - $1 billion

 $1,000,000,001 - $10 billion

 $10,000,000,001 - $50 billion

More than $50 billion

20. How much do you

estimate your liabilities to

be?

 $0 - $50,000

 $50,001 - $100,000

 $100,001 - $500,000

 $500,001 - $1 million

 $1,000,001 - $10 million

 $10,000,001 - $50 million

 $50,000,001 - $100 million

 $100,000,001 - $500 million

 $500,000,001 - $1 billion

 $1,000,000,001 - $10 billion

 $10,000,000,001 - $50 billion

 More than $50 billion

Part 7: Sign Below

For you I have examined this petition, and I declare under penalty of perjury that the information provided is true and correct.

If I have chosen to file under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7, 11,12, or 13 of title 11, United

States Code. I understand the relief available under each chapter, and I choose to proceed under Chapter 7.

If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out this document, I

have obtained and read the notice required by 11 U.S.C. § 342(b).

I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.

I understand making a false statement, concealing property, or obtaining money or property by fraud in connection with a bankruptcy

case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

/s/ Michael Kanarowski /s/ Judy Kanarowski

Michael Kanarowski Judy Kanarowski

Signature of Debtor 1 Signature of Debtor 2

Executed on August 2, 2016 Executed on August 2, 2016

MM / DD / YYYY MM / DD / YYYY

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 6

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

For your attorney, if you are

represented by one

If you are not represented by

an attorney, you do not need

to file this page.

I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility to proceed under Chapter 7, 11, 12, or 13 of title 11, United States Code, and have explained the relief available under each chapter for which the

person is eligible. I also certify that I have delivered to the debtor(s) the notice required by 11 U.S.C. § 342(b) and, in a case in which § 707(b)(4)(D) applies, certify that I have no knowledge after an inquiry that the information in the schedules filed with the

petition is incorrect.

/s/ Erich Monzon Date August 2, 2016

Signature of Attorney for Debtor MM / DD / YYYY

Erich Monzon

Printed name The Law Offices of Erich G. Monzon

Firm name

466 Central Ave Ste 34

Northfield, IL 60093-3031

Number, Street, City, State & ZIP Code

Contact phone (847) 386-6185 Email address emonzon@gmail.com

99999

Bar number & State

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 7

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Fill in this information to identify your case and this filing: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number  Check if this is an

amended filing

Official Form 106A/B

Schedule A/B: Property 12/15

In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you

think it fits best. Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known).

Answer every question.

Part 1: Describe Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In

1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?

 No. Go to Part 2.

 Yes. Where is the property?

1.1 What is the property? Check all that apply Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property . 7412 N Oleander Ave 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Chicago IL 60631-4310





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $326,757.00 $326,757.00

 Timeshare Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one  Debtor 1 only Tenancy by the Entirety

 Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for pages

you have attached for Part 1. Write that number here...........................................................................=> $326,757.00

Part 2: Describe Your Vehicles

Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles you own that someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.

Official Form 106A/B Schedule A/B: Property page 1

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles  No

Yes

3.1 Make: Toyota Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Prius  Debtor 1 only Creditors Who Have Claims Secured by Property . Year: 2012  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 53000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Check if this is community property $10,302.00 $10,302.00

 (see instructions)

3.2 Make: Ford Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Fusion  Debtor 1 only Creditors Who Have Claims Secured by Property . Year: 2011  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 91000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Check if this is community property $7,565.00 $7,565.00

 (see instructions)

4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories  No

Yes

5

.Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for pagesyou have attached for Part 2. Write that number here.............................................................................=> $17,867.00

Part 3: Describe Your Personal and Household Items

Do you own or have any legal or equitable interest in any of the following items? Current value of the portion you own?

Do not deduct secured

claims or exemptions.

6. Household goods and furnishings Examples: Major appliances, furniture, linens, china, kitchenware  No

Yes. Describe..... Household Goods and Furnishings $2,000.00

7. Electronics Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections; electronic devices

including cell phones, cameras, media players, games

 No

Yes. Describe.....

8. Collectibles of value Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects; stamp, coin, or baseball card collections; other collections, memorabilia, collectibles

 No

Yes. Describe.....

Official Form 106A/B Schedule A/B: Property page 2

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

9. Equipment for sports and hobbies Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks; carpentry tools; musical

instruments

 No

Yes. Describe.....

10. Firearms Examples: Pistols, rifles, shotguns, ammunition, and related equipment

 No

Yes. Describe.....

11. Clothes Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories  No

Yes. Describe..... Clothing $0.00

12. Jewelry

Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver  No

Yes. Describe..... Jewelry $10,100.00

13. Non-farm animals Examples: Dogs, cats, birds, horses  No

Yes. Describe.....

14. Any other personal and household items you did not already list, including any health aids you did not list

 No

Yes. Give specific information.....

15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached for Part 3. Write that number here .............................................................................. $12,100.00

Part 4: Describe Your Financial Assets

Do you own or have any legal or equitable interest in any of the following? Current value of the portion you own?

Do not deduct secured

claims or exemptions.

16. Cash

Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition  No

 Yes................................................................................................................

17. Deposits of money

Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other similar

institutions. If you have multiple accounts with the same institution, list each.

 No

Yes........................

Institution name:

17.1. Checking Account US Bank $0.00

18. Bonds, mutual funds, or publicly traded stocks Examples: Bond funds, investment accounts with brokerage firms, money market accounts  No

Yes..................

Institution or issuer name:

Official Form 106A/B Schedule A/B: Property page 3

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership, and

joint venture  No

 Yes. Give specific information about them...................

Name of entity: % of ownership:

20. Government and corporate bonds and other negotiable and non-negotiable instruments Negotiable instruments include personal checks, cashiers’checks, promissory notes, and money orders. Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.  No

Yes. Give specific information about them

Issuer name:

21. Retirement or pension accounts Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans

 No

Yes. List each account separately. Type of account: Institution name:

Retirement Account Vanguard/Advocate Retirement Program $0.00

401(k) or Similar Plan Valic $0.00

Retirement Account Met Life $0.00

22. Security deposits and prepayments Your share of all unused deposits you have made so that you may continue service or use from a company

Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications companies, or others  No

Yes. .....................

Institution name or individual:

23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)

 No

Yes.............

Issuer name and description.

24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program. 26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).  No

Yes.............

Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c):

25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit

 No

 Yes. Give specific information about them...

26. Patents, copyrights, trademarks, trade secrets, and other intellectual property

Examples: Internet domain names, websites, proceeds from royalties and licensing agreements  No

 Yes. Give specific information about them...

27. Licenses, franchises, and other general intangibles Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses  No

 Yes. Give specific information about them...

Money or property owed to you? Current value of the portion you own?

Do not deduct secured

claims or exemptions.

28. Tax refunds owed to you  No

Yes. Give specific information about them, including whether you already filed the returns and the tax years.......

Official Form 106A/B Schedule A/B: Property page 4

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

29. Family support

Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement

 No

Yes. Give specific information......

30. Other amounts someone owes you Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social Security benefits;

unpaid loans you made to someone else

 No

Yes. Give specific information..

31. Interests in insurance policies Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance  No

Yes. Name the insurance company of each policy and list its value. Company name: Beneficiary: Surrender or refund

value:

32. Any interest in property that is due you from someone who has died

If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property because someone has died.

 No

Yes. Give specific information..

33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment

Examples: Accidents, employment disputes, insurance claims, or rights to sue

 No

 Yes. Describe each claim.........

34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims  No

 Yes. Describe each claim.........

35. Any financial assets you did not already list

 No

Yes. Give specific information..

36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached for Part 4. Write that number here..................................................................................................................... $0.00

Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.

37. Do you own or have any legal or equitable interest in any business-related property?

 No. Go to Part 6.

 Yes. Go to line 38.

Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.

If you own or have an interest in farmland, list it in Part 1.

46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?

 No. Go to Part 7.

 Yes. Go to line 47.

Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above

53. Do you have other property of any kind you did not already list?

Examples: Season tickets, country club membership

 No

Yes. Give specific information.........

Official Form 106A/B Schedule A/B: Property page 5

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

54. Add the dollar value of all of your entries from Part 7. Write that number here .................................... $0.00

Part 8: List the Totals of Each Part of this Form

55. Part 1: Total real estate, line 2 ...................................................................................................................... $326,757.00

56. Part 2: Total vehicles, line 5 $17,867.00

57. Part 3: Total personal and household items, line 15 $12,100.00

58. Part 4: Total financial assets, line 36 $0.00

59. Part 5: Total business-related property, line 45 $0.00

60. Part 6: Total farm- and fishing-related property, line 52 $0.00

61. Part 7: Total other property not listed, line 54 + $0.00

62. Total personal property. Add lines 56 through 61... $29,967.00 Copy personal property total $29,967.00

63. Total of all property on Schedule A/B. Add line 55 + line 62 $356,724.00

Official Form 106A/B Schedule A/B: Property page 6

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 4/16

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. Using the

property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name and case number (if

known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a

specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of any

applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement

funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the exemption

to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited to the

applicable statutory amount. Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you. You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below. Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Debtor 1 Exemptions

7412 N Oleander Ave

Chicago IL, 60631-4310

Line from Schedule A/B: 1.1

$326,757.00  $17,483.00 735 ILCS 5/12-901

 100% of fair market value, up to

any applicable statutory limit

Toyota

Prius

2012

53000

Line from Schedule A/B: 3.1

$10,302.00  $0.00 735 ILCS 5/12-1001(c)

 100% of fair market value, up to

any applicable statutory limit

Toyota

Prius

2012

53000

Line from Schedule A/B: 3.1

$10,302.00  $931.00 735 ILCS 5/12-1001(b)

 100% of fair market value, up to

any applicable statutory limit

Ford

Fusion

2011

91000

Line from Schedule A/B: 3.2

$7,565.00  $4,800.00 735 ILCS 5/12-1001(c)

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 3

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Household Goods and Furnishings

Line from Schedule A/B: 6.1

$2,000.00  $2,000.00 735 ILCS 5/12-1001(b)

 100% of fair market value, up to

any applicable statutory limit

Clothing

Line from Schedule A/B: 11.1

$0.00  $800.00 735 ILCS 5/12-1001(a)

 100% of fair market value, up to

any applicable statutory limit

Jewelry

Line from Schedule A/B: 12.1

$10,100.00  $3,400.00 735 ILCS 5/12-1001(b)

 100% of fair market value, up to

any applicable statutory limit

US Bank

Line from Schedule A/B: 17.1

$0.00  $500.00 735 ILCS 5/12-1001(b)

 100% of fair market value, up to

any applicable statutory limit

Vanguard/Advocate Retirement

Program

Line from Schedule A/B: 21.1

$0.00  735 ILCS 5/12-1006

 100% of fair market value, up to

any applicable statutory limit

Valic

Line from Schedule A/B: 21.2

$0.00  735 ILCS 5/12-1006

 100% of fair market value, up to

any applicable statutory limit

Met Life

Line from Schedule A/B: 21.3

$0.00  735 ILCS 5/12-1006

 100% of fair market value, up to

any applicable statutory limit

3. Are you claiming a homestead exemption of more than $160,375?

(Subject to adjustment on 4/01/19 and every 3 years after that for cases filed on or after the date of adjustment.)

 No

 Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

 No

 Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 3

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Fill in this information to identify your case: Debtor 1

First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 4/16

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. Using the

property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name and case number (if

known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a

specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of any

applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement

funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the exemption

to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited to the

applicable statutory amount. Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you. You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below. Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Debtor 2 Exemptions

Brief description: Line from Schedule A/B: 

 100% of fair market value, up to

any applicable statutory limit

3. Are you claiming a homestead exemption of more than $160,375?

(Subject to adjustment on 4/01/19 and every 3 years after that for cases filed on or after the date of adjustment.)

 No

 Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

 No

 Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 3 of 3

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106D

Schedule D: Creditors Who Have Claims Secured by Property 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If more space is

needed, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any additional pages, write your name and case number (if

known).

1. Do any creditors have claims secured by your property?

No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form. Yes. Fill in all of the information below. Part 1: List All Secured Claims

2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately

for each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. As

much as possible, list the claims in alphabetical order according to the creditor ’s name.

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports this

claim

Column C

Unsecured

portion

If any

2.1 Amr Eagle Bk Describe the property that secures the claim: $9,371.00 $10,302.00 $0.00

Creditor's Name 2012 Toyota Prius

556 Randall Rd

South Elgin, IL

60177-3315

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 07/06/2012 Last 4 digits of account number 0001

2.2 Chase Mtg Describe the property that secures the claim: $279,451.00 $326,757.00 $0.00

Creditor's Name 7412 N Oleander Ave, Chicago, IL

60631-4310

PO Box 24696

Columbus, OH

43224-0696

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 04/01/2010 Last 4 digits of account number 0377

Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 3

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Debtor 1 Michael Kanarowski Case number (if know) First Name Middle Name Last Name Debtor 2 Judy Kanarowski First Name Middle Name Last Name

2.3 Chase Mtg Describe the property that secures the claim: $0.00 $0.00 $0.00

Creditor's Name

PO Box 24696

Columbus, OH

43224-0696

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 04/01/2005 Last 4 digits of account number 7967

2.4 Ford Motor Credit Describe the property that secures the claim: $0.00 $0.00 $0.00

Creditor's Name

PO Box 62180

Colorado Springs, CO

80962-2180

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 12/01/2010 Last 4 digits of account number 0115

2.5

Infiniti Financial

Services Describe the property that secures the claim: $0.00 $0.00 $0.00

Creditor's Name

Attn: Bankruptcy

8900 Freeport Pkwy

Irving, TX 75063-2409

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 07/01/2004 Last 4 digits of account number 0001

2.6 Jpmorgan Chase Bank Describe the property that secures the claim: $29,823.00 $326,757.00 $0.00

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 2 of 3

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Debtor 1 Michael Kanarowski Case number (if know) First Name Middle Name Last Name Debtor 2 Judy Kanarowski First Name Middle Name Last Name

Creditor's Name 7412 N Oleander Ave, Chicago, IL

60631-4310

PO Box 24696

Columbus, OH

43224-0696

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 04/01/2005 Last 4 digits of account number 8928

2.7 Nissan Motor Acceptanc Describe the property that secures the claim: $0.00 $0.00 $0.00

Creditor's Name

PO Box 660360

Dallas, TX 75266-0360

As of the date you file, the claim is: Check all that apply.  Contingent Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Check if this claim relates to a

community debt

 Other (including a right to offset)

Date debt was incurred 08/01/2005 Last 4 digits of account number 0001

Add the dollar value of your entries in Column A on this page. Write that number here: $318,645.00

If this is the last page of your form, add the dollar value totals from all pages.

Write that number here: $318,645.00

Part 2: List Others to Be Notified for a Debt That You Already Listed

Use this page only if you have others to be notified about your bankruptcy for a debt that you already listed in Part 1. For example, if a collection agency is

trying to collect from you for a debt you owe to someone else, list the creditor in Part 1, and then list the collection agency here. Similarly, if you have more

than one creditor for any of the debts that you listed in Part 1, list the additional creditors here. If you do not have additional persons to be notified for any

debts in Part 1, do not fill out or submit this page.

Name, Number, Street, City, State & Zip Code

Fmc-Omaha Service Ct

PO Box BOX542000

Omaha, NE 68154

On which line in Part 1 did you enter the creditor? 2.4

Last 4 digits of account number 0115 

Name, Number, Street, City, State & Zip Code

Infiniti Motor Accep

990 W 190th St

Torrance, CA 90502-1014

On which line in Part 1 did you enter the creditor? 2.5

Last 4 digits of account number 0001 

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 3 of 3

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106E/F

Schedule E/F: Creditors Who Have Unsecured Claims 12/15

Be as complete and accurate as possible. Use Part 1 for creditors with PRIORITY claims and Part 2 for creditors with NONPRIORITY claims. List the other party to

any executory contracts or unexpired leases that could result in a claim. Also list executory contracts on Schedule A/B: Property (Official Form 106A/B) and on

Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G). Do not include any creditors with partially secured claims that are listed in Schedule

D: Creditors Who Have Claims Secured by Property. If more space is needed, copy the Part you need, fill it out, number the entries in the boxes on the left. Attach

the Continuation Page to this page. If you have no information to report in a Part, do not file that Part. On the top of any additional pages, write your name and

case number (if known).

Part 1: List All of Your PRIORITY Unsecured Claims

1. Do any creditors have priority unsecured claims against you?

 No. Go to Part 2.

Yes. Part 2: List All of Your NONPRIORITY Unsecured Claims

3. Do any creditors have nonpriority unsecured claims against you?

 No. You have nothing to report in this part. Submit this form to the court with your other schedules.

Yes.

4. List all of your nonpriority unsecured claims in the alphabetical order of the creditor who holds each claim. If a creditor has more than one nonpriority

unsecured claim, list the creditor separately for each claim. For each claim listed, identify what type of claim it is. Do not list claims already included in Part 1. If more

than one creditor holds a particular claim, list the other creditors in Part 3.If you have more than three nonpriority unsecured claims fill out the Continuation Page of Part

2.

Total claim

4.1 At T Last 4 digits of account number 7374 $170.00

Nonpriority Creditor's Name

When was the debt incurred? 02/01/2016

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 1 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.2 At&T Universal Citi Card Last 4 digits of account number 9865 $2,120.00

Nonpriority Creditor's Name

PO Box 6500

Sioux Falls, SD 57117-6500

When was the debt incurred? 11/01/2001

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.3 Bank of America Last 4 digits of account number 7823 $0.00

Nonpriority Creditor's Name

NC4-105-03-14

PO Box 26012

Greensboro, NC 27420-6012

When was the debt incurred? 07/01/1998

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.4 Capital One Last 4 digits of account number 8219 $1,749.00

Nonpriority Creditor's Name

PO Box 30285

Salt Lake City, UT 84130-0285

When was the debt incurred? 04/01/2008

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 2 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.5 Capital One / Carson Last 4 digits of account number 2091 $0.00

Nonpriority Creditor's Name

PO Box 30253

Salt Lake City, UT 84130-0253

When was the debt incurred? 07/31/1999

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.6 Carico Intl Last 4 digits of account number 1858 $0.00

Nonpriority Creditor's Name

Attn:Margie/Collections Dept

2851 W Cypress Creek Rd

Fort Lauderdale, FL 33309-1705

When was the debt incurred? 08/01/2001

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.7 Chase Last 4 digits of account number 1845 $8,479.00

Nonpriority Creditor's Name

Attn: Correspondence Dept

PO Box 15298

Wilmington, DE 19850-5298

When was the debt incurred? 07/01/2014

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 3 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.8 Chase Last 4 digits of account number 4620 $4,080.00

Nonpriority Creditor's Name

Attn: Correspondence Dept

PO Box 15298

Wilmington, DE 19850-5298

When was the debt incurred? 11/01/2013

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.9 Chase Last 4 digits of account number 8661 $1,327.00

Nonpriority Creditor's Name

Attn: Correspondence Dept

PO Box 15298

Wilmington, DE 19850-5298

When was the debt incurred? 09/01/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.10 Chase Last 4 digits of account number 0069 $0.00

Nonpriority Creditor's Name

PO Box 24696

Columbus, OH 43224-0696

When was the debt incurred? 12/01/2007

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 4 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.11 Chase Card Services Last 4 digits of account number 8000 $0.00

Nonpriority Creditor's Name

Attn: Correspondence

PO Box 15298

Wilmington, DE 19850-5298

When was the debt incurred? 06/01/2002

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.12 Citibank/Best Buy Last 4 digits of account number 3312 $3,640.00

Nonpriority Creditor's Name

Centralized Bankruptcy/CitiCorp

Credit S

PO Box 790040

Saint Louis, MO 63179-0040

When was the debt incurred? 06/01/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.13 Citibank/the Home Depot Last 4 digits of account number 5731 $1,868.00

Nonpriority Creditor's Name

Citicorp Credit Srvs/Centralized

Bankrup

PO Box 790040

Saint Louis, MO 63179-0040

When was the debt incurred? 05/01/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 5 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.14 Comenity Bank/Carsons Last 4 digits of account number 4381 $0.00

Nonpriority Creditor's Name

PO Box 182125

Columbus, OH 43218-2125

When was the debt incurred? 07/01/2012

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.15 Comenity Bank/Sizes Last 4 digits of account number 2976 $0.00

Nonpriority Creditor's Name

PO Box 182125

Columbus, OH 43218-2125

When was the debt incurred? 09/01/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.16 Credit One Bank NA Last 4 digits of account number 8187 $903.00

Nonpriority Creditor's Name

PO Box 98873

Las Vegas, NV 89193-8873

When was the debt incurred? 09/01/2014

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 6 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.17 Hsbc/Comp Last 4 digits of account number 4121 $0.00

Nonpriority Creditor's Name

Attention: HSBC Retail Services

PO Box 5264

Carol Stream, IL 60197-5264

When was the debt incurred? 12/16/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.18 Kohls/Capital One Last 4 digits of account number 2809 $1,873.00

Nonpriority Creditor's Name

PO Box 3120

Milwaukee, WI 53201-3120

When was the debt incurred? 12/01/2011

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.19 Kohls/Capital One Last 4 digits of account number 1758 $1,368.00

Nonpriority Creditor's Name

PO Box 3120

Milwaukee, WI 53201-3120

When was the debt incurred? 09/01/1997

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 7 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.20 NTB/CBSD Last 4 digits of account number 8407 $1,166.00

Nonpriority Creditor's Name

CitiCards Private Label Centralized

Bank

PO Box 20507

Kansas City, MO 64195-0507

When was the debt incurred? 08/01/2007

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.21 Peoples Gas Last 4 digits of account number 2291 $376.00

Nonpriority Creditor's Name

200 E Randolph St Fl 20

Chicago, IL 60601-6431

When was the debt incurred? 05/01/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.22 Rogers & Hollands Je Last 4 digits of account number 0447 $1,403.00

Nonpriority Creditor's Name

PO Box 879

Matteson, IL 60443-0879

When was the debt incurred? 01/25/2004

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 8 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

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 Document Page 41 of 85
Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.23 Sallie Mae Last 4 digits of account number 0920 $0.00

Nonpriority Creditor's Name

Attn: Navient

PO Box 9500

Wilkes-Barr, PA 18873

When was the debt incurred? 09/01/2002

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.24 Sears/Cbna Last 4 digits of account number 9311 $0.00

Nonpriority Creditor's Name

PO Box 6282

Sioux Falls, SD 57117-6282

When was the debt incurred? 12/17/2006

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.25 Sears/Cbna Last 4 digits of account number 6125 $0.00

Nonpriority Creditor's Name

PO Box 6282

Sioux Falls, SD 57117-6282

When was the debt incurred? 12/17/2006

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 9 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

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 Document Page 42 of 85
Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.26 Springleaf Finance, Inc Last 4 digits of account number 9785 $0.00

Nonpriority Creditor's Name

601 NW 2nd St

Evansville, IN 47708-1013

When was the debt incurred? 08/01/2002

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.27 Springleaf Finance, Inc Last 4 digits of account number 3489 $0.00

Nonpriority Creditor's Name

601 NW 2nd St

Evansville, IN 47708-1013

When was the debt incurred? 05/01/2006

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.28 Syncb/Lord & Taylor Last 4 digits of account number 9623 $0.00

Nonpriority Creditor's Name

PO Box 103104

Roswell, GA 30076-9104

When was the debt incurred? 12/01/1996

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 10 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

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 Document Page 43 of 85
Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.29 Syncb/toysrus Last 4 digits of account number 4309 $530.00

Nonpriority Creditor's Name

Attn: Bankrupty

PO Box 103104

Roswell, GA 30076-9104

When was the debt incurred? 07/01/2007

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.30 Syncb/toysrusdc Last 4 digits of account number 8971 $0.00

Nonpriority Creditor's Name

Attn: Bankrupty

PO Box 103104

Roswell, GA 30076-9104

When was the debt incurred? 07/01/2007

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.31 Synchrony Bank/ Jc Penneys Last 4 digits of account number 0803 $0.00

Nonpriority Creditor's Name

PO Box 965064

Orlando, FL 32896-5064

When was the debt incurred? 07/01/2008

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 11 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

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 Document Page 44 of 85
Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.32 Synchrony Bank/Avb Buying Group Last 4 digits of account number 2753 $6,868.00

Nonpriority Creditor's Name

PO Box 965064

Orlando, FL 32896-5064

When was the debt incurred? 05/01/2005

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.33 Synchrony Bank/Avb Buying Group Last 4 digits of account number 0006 $0.00

Nonpriority Creditor's Name

PO Box 965064

Orlando, FL 32896-5064

When was the debt incurred? 02/01/2001

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.34 Synchrony Bank/Lowes Last 4 digits of account number 1603 $0.00

Nonpriority Creditor's Name

PO Box 965064

Orlando, FL 32896-5064

When was the debt incurred? 08/23/2006

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 12 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

Case 16-24786 Doc 1 Filed 08/02/16 Entered 08/02/16 11:52:42 Desc Main

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.35 Synchrony Bank/Mohawk Color Last 4 digits of account number 2979 $0.00

Nonpriority Creditor's Name

PO Box 965064

Orlando, FL 32896-5064

When was the debt incurred? 03/06/2007

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.36 Synchrony Bank/Walmart Last 4 digits of account number 6893 $3,205.00

Nonpriority Creditor's Name

PO Box 965064

Orlando, FL 32896-5064

When was the debt incurred? 12/01/2013

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.37 Target Last 4 digits of account number 9671 $3,575.00

Nonpriority Creditor's Name

C/O Financial & Retail Services

Mailstop

PO Box 9475

Minneapolis, MN 55440-9475

When was the debt incurred? 12/01/2012

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 13 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

Case 16-24786 Doc 1 Filed 08/02/16 Entered 08/02/16 11:52:42 Desc Main

 Document Page 46 of 85
Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.38 Target Last 4 digits of account number 8281 $0.00

Nonpriority Creditor's Name

C/O Financial & Retail Services

Mailstop

PO Box 9475

Minneapolis, MN 55440-9475

When was the debt incurred? 12/01/2013

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.39 Target Last 4 digits of account number 9656 $0.00

Nonpriority Creditor's Name

C/O Financial & Retail Services

Mailstop

PO Box 9475

Minneapolis, MN 55440-9475

When was the debt incurred? 11/01/1996

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.40 Uropartners LLC Drs. Carter Last 4 digits of account number 9221 $1,011.00

Nonpriority Creditor's Name

When was the debt incurred? 11/01/2015

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 14 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

Case 16-24786 Doc 1 Filed 08/02/16 Entered 08/02/16 11:52:42 Desc Main

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.41 US Bank Last 4 digits of account number 6828 $450.00

Nonpriority Creditor's Name

Attn: Bankruptcy Dept

PO Box 5229

Cincinnati, OH 45201-5229

When was the debt incurred? 01/01/2012

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.42 US Bk Rms Cc Last 4 digits of account number 8851 $2,722.00

Nonpriority Creditor's Name

PO Box 108

Saint Louis, MO 63166-0108

When was the debt incurred? 03/01/2007

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.43 US Bk Rms Cc Last 4 digits of account number 9183 $1,210.00

Nonpriority Creditor's Name

PO Box 108

Saint Louis, MO 63166-0108

When was the debt incurred? 01/01/2011

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 15 of 20

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

Case 16-24786 Doc 1 Filed 08/02/16 Entered 08/02/16 11:52:42 Desc Main

 Document Page 48 of 85
Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

4.44 Visa Dept Store National Bank Last 4 digits of account number 7700 $1,685.00

Nonpriority Creditor's Name

Attn: Bankruptcy

PO Box 8053

Mason, OH 45040-8053

When was the debt incurred? 11/01/2009

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.45 Visa Dept Store National Bank Last 4 digits of account number 2830 $1,114.00

Nonpriority Creditor's Name

Attn: Bankruptcy

PO Box 8053

Mason, OH 45040-8053

When was the debt incurred? 02/01/2008

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

4.46 World's Foremost Bank, NA Last 4 digits of account number 4775 $7,698.00

Nonpriority Creditor's Name

4800 NW 1st St Ste 300

Lincoln, NE 68521-4463

When was the debt incurred? 10/01/2014

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

Check if this claim is for a community

debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

Yes Other. Specify

Part 3: List Others to Be Notified About a Debt That You Already Listed

5. Use this page only if you have others to be notified about your bankruptcy, for a debt that you already listed in Parts 1 or 2. For example, if a collection agency

is trying to collect from you for a debt you owe to someone else, list the original creditor in Parts 1 or 2, then list the collection agency here. Similarly, if you

have more than one creditor for any of the debts that you listed in Parts 1 or 2, list the additional creditors here. If you do not have additional persons to be

notified for any debts in Parts 1 or 2, do not fill out or submit this page.

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 16 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Bank of America

PO Box 982238

El Paso, TX 79998-2238

Line 4.3 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 7823

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Capital One / Comp U

PO Box 30253

Salt Lake City, UT 84130-0253

Line 4.17 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 4121

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Capital One Bank USA N

15000 Capital One Dr

Richmond, VA 23238-1119

Line 4.4 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8219

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Carico International

2851 W Cypress Creek Rd

Fort Lauderdale, FL 33309-1705

Line 4.6 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 1858

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Chase Bank USA, NA

PO Box 15298

Wilmington, DE 19850-5298

Line 4.7 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 1845

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Chase Bank USA, NA

PO Box 15298

Wilmington, DE 19850-5298

Line 4.8 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 4620

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Chase Bank USA, NA

PO Box 15298

Wilmington, DE 19850-5298

Line 4.9 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8661

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Chase Card

PO Box 15298

Wilmington, DE 19850-5298

Line 4.11 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8000

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Citicards Cbna

701 E 60th St N

Sioux Falls, SD 57104-0432

Line 4.12 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 3312

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Comenity Bank/Avenue

PO Box 182789

Columbus, OH 43218-2789

Line 4.15 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 2976

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Comenity Bank/Carsons

3100 Easton Square Pl

Columbus, OH 43219-6232

Line 4.14 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 4381

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 17 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

Credit One Bank NA

PO Box 98875

Las Vegas, NV 89193-8875

Line 4.16 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8187

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Franklin Collection Sv

2978 W Jackson St

Tupelo, MS 38801-6731

Line 4.1 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 7374

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Illinois Collection SE

8231 185th St Ste 100

Tinley Park, IL 60487-9356

Line 4.40 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 9221

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Kohls/Capital One

N56 W 17000 Ridgewood Dr

Menomonee Falls, WI 53051

Line 4.18 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 2809

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Kohls/Capital One

N56 W 17000 Ridgewood Dr

Menomonee Falls, WI 53051

Line 4.19 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 1758

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Macy's/dsnb

9111 Duke Blvd

Mason, OH 45040-8999

Line 4.44 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 7700

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Macy's/dsnb

9111 Duke Blvd

Mason, OH 45040-8999

Line 4.45 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 2830

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Natl Tire&Battery/Cb

PO Box 6497

Sioux Falls, SD 57117-6497

Line 4.20 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8407

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Peoples Engy

200 E Randolph St

Chicago, IL 60601-6436

Line 4.21 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 2291

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Slm Financial Corp

PO Box 9500

Wilkes Barre, PA 18773-9500

Line 4.23 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 0920

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Springleaf Financial S

600 NW 2nd St

Evansville, IN 47708-1014

Line 4.26 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 9785

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 18 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

Springleaf Financial S

600 NW 2nd St

Evansville, IN 47708-1014

Line 4.27 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 3489

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/Abt Electronics

C/o

PO Box 965036

Orlando, FL 32896-5036

Line 4.32 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 2753

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/Abt Electronics

C/o

PO Box 965036

Orlando, FL 32896-5036

Line 4.33 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 0006

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/jc Penneys

PO Box 965007

Orlando, FL 32896-5007

Line 4.31 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 0803

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/lord & Tay

PO Box 965015

Orlando, FL 32896-5015

Line 4.28 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 9623

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/lowes

PO Box 956005

Orlando, FL 32896

Line 4.34 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 1603

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/Mohawk Color Ctr

C/o

PO Box 965036

Orlando, FL 32896-5036

Line 4.35 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 2979

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/toysrus

PO Box 965005

Orlando, FL 32896-5005

Line 4.29 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 4309

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/toysrusdc

PO Box 965005

Orlando, FL 32896-5005

Line 4.30 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8971

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Syncb/Walmart DC

PO Box 965024

Orlando, FL 32896-5024

Line 4.36 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 6893

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Target National Bank

Minneapolis, MN 55440-0673

Line 4.39 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 9656

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 19 of 20

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if know)

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Td Bank USA/Targetcred

PO Box 673

Minneapolis, MN 55440-0673

Line 4.37 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 9671

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Td Bank USA/Targetcred

PO Box 673

Minneapolis, MN 55440-0673

Line 4.38 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 8281

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Thd/Cbna

PO Box 6497

Sioux Falls, SD 57117-6497

Line 4.13 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 5731

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Universal Cd Cbna

PO Box 6241

Sioux Falls, SD 57117-6241

Line 4.2 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 9865

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

US Bank Line of Cred

PO Box 5227

Cincinnati, OH 45201-5227

Line 4.41 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 6828

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Worlds Foremost Bank N

4800 NW 1st St Ste 300

Lincoln, NE 68521-4463

Line 4.46 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number 4775

Part 4: Add the Amounts for Each Type of Unsecured Claim

6. Total the amounts of certain types of unsecured claims. This information is for statistical reporting purposes only. 28 U.S.C. §159. Add the amounts for each

type of unsecured claim.

Total Claim

6a. Domestic support obligations 6a. $ 0.00

Total claims

from Part 1 6b. Taxes and certain other debts you owe the government 6b. $ 0.00

6c. Claims for death or personal injury while you were intoxicated 6c. $ 0.00

6d. Other. Add all other priority unsecured claims. Write that amount here. 6d. $ 0.00

6e. Total Priority. Add lines 6a through 6d. 6e. $ 0.00

Total Claim

6f. Student loans 6f. $ 0.00

Total claims

from Part 2 6g. Obligations arising out of a separation agreement or divorce that

you did not report as priority claims 6g. $ 0.00

6h. Debts to pension or profit-sharing plans, and other similar debts 6h. $ 0.00

6i. Other. Add all other nonpriority unsecured claims. Write that amount

here.

6i.

$ 60,590.00

6j. Total Nonpriority. Add lines 6f through 6i. 6j. $ 60,590.00

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 20 of 20

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106G

Schedule G: Executory Contracts and Unexpired Leases 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. If more space is needed, copy the additional page, fill it out, number the entries, and attach it to this page. On the top of any

additional pages, write your name and case number (if known).

1. Do you have any executory contracts or unexpired leases?

No. Check this box and file this form with the court with your other schedules. You have nothing else to report on this form. Yes. Fill in all of the information below even if the contacts of leases are listed on Schedule A/B:Property (Official Form 106 A/B).

2. List separately each person or company with whom you have the contract or lease. Then state what each contract or lease is for (for example, rent, vehicle lease, cell phone). See the instructions for this form in the instruction booklet for more examples of executory contracts and

unexpired leases.

Person or company with whom you have the contract or lease

Name, Number, Street, City, State and ZIP Code State what the contract or lease is for

2.1

Name

Number Street

City State ZIP Code

2.2

Name

Number Street

City State ZIP Code

2.3

Name

Number Street

City State ZIP Code

2.4

Name

Number Street

City State ZIP Code

2.5

Name

Number Street

City State ZIP Code

Official Form 106G Schedule G: Executory Contracts and Unexpired Leases Page 1 of 1

Software Copyright (c) 1996-2016 CIN Group - www.cincompass.com

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106H

Schedule H: Your Codebtors 12/15

Codebtors are people or entities who are also liable for any debts you may have. Be as complete and accurate as possible. If two married people

are filing together, both are equally responsible for supplying correct information. If more space is needed, copy the Additional Page, fill it out, and number the entries in the boxes on the left. Attach the Additional Page to this page. On the top of any Additional Pages, write your name and

case number (if known). Answer every question.

1. Do you have any codebtors? (If you are filing a joint case, do not list either spouse as a codebtor.  No

Yes

2. Within the last 8 years, have you lived in a community property state or territory? (Community property states and territories include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)

 No. Go to line 3.

Yes. Did your spouse, former spouse, or legal equivalent live with you at the time?

3. In Column 1, list all of your codebtors. Do not include your spouse as a codebtor if your spouse is filing with you. List the person shown in

line 2 again as a codebtor only if that person is a guarantor or cosigner. Make sure you have listed the creditor on Schedule D (Official Form

106D), Schedule E/F (Official Form 106E/F), or Schedule G (Official Form 106G). Use Schedule D, Schedule E/F, or Schedule G to fill out

Column 2.

Column 1: Your codebtor Name, Number, Street, City, State and ZIP Code Column 2: The creditor to whom you owe the debt

Check all schedules that apply:

3.1  Schedule D, line

Name  Schedule E/F, line

 Schedule G, line

Number Street

City State ZIP Code

3.2  Schedule D, line

Name  Schedule E/F, line

 Schedule G, line

Number Street

City State ZIP Code

Official Form 106H Schedule H: Your Codebtors Page 1 of 1

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Fill in this information to identify your case:

Debtor 1 Michael Kanarowski

Debtor 2 Judy Kanarowski

(Spouse, if filing)

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN

DIVISION

Case number Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter 13

income as of the following date: Official Form 106I MM / DD/ YYYY

Schedule I: Your Income 12/15

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job, attach a separate page with

information about additional employers.

Include part-time, seasonal, or self-employed work. Occupation may include student or

homemaker, if it applies.

Employment status  Employed

 Not employed

 Employed

 Not employed

Occupation

Employer's name United Therapies Northwestern Medical Group

Employer's address 10600 W Higgins Rd Ste 301

Rosemont, IL 60018-3717

680 N Lake Shore Dr

Chicago, IL 60611-4546

How long employed there?

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing spouse

unless you are separated.

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need more

space, attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or non-filing spouse

2.

List monthly gross wages, salary, and commissions (before all payroll

deductions). If not paid monthly, calculate what the monthly wage would be. 2. $ 5,573.50 $ 6,820.80

3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ 0.00

4. Calculate gross Income. Add line 2 + line 3. 4. $ 5,573.50 $ 6,820.80

Official Form 106I Schedule I: Your Income page 1

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

For Debtor 1 For Debtor 2 or non-filing spouse Copy line 4 here 4. $ 5,573.50 $ 6,820.80

5. List all payroll deductions: 5a. Tax, Medicare, and Social Security deductions 5a. $ 1,445.04 $ 2,150.64

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 0.00

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 0.00

5d. Required repayments of retirement fund loans 5d. $ 0.00 $ 0.00

5e. Insurance 5e. $ 2.48 $ 792.62

5f. Domestic support obligations 5f. $ 0.00 $ 0.00

5g. Union dues 5g. $ 0.00 $ 0.00

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ 0.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 1,447.52 $ 2,943.26

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 4,125.98 $ 3,877.54

8. List all other income regularly received: 8a. Net income from rental property and from operating a business, profession, or farm

Attach a statement for each property and business showing gross

receipts, ordinary and necessary business expenses, and the total

monthly net income. 8a. $ 0.00 $ 0.00

8b. Interest and dividends 8b. $ 0.00 $ 0.00

8c. Family support payments that you, a non-filing spouse, or a dependent regularly receive

Include alimony, spousal support, child support, maintenance, divorce

settlement, and property settlement. 8c. $ 0.00 $ 0.00

8d. Unemployment compensation 8d. $ 0.00 $ 0.00

8e. Social Security 8e. $ 0.00 $ 0.00

8f. Other government assistance that you regularly receive

Include cash assistance and the value (if known) of any non-cash assistance

that you receive, such as food stamps (benefits under the Supplemental

Nutrition Assistance Program) or housing subsidies.

Specify: 8f. $ 0.00 $ 0.00

8g. Pension or retirement income 8g. $ 0.00 $ 0.00

8h. Other monthly income. Specify: 8h.+ $ 0.00 + $ 0.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 0.00 $ 0.00

10. Calculate monthly income. Add line 7 + line 9. 10. $ 4,125.98 + $ 3,877.54 = $ 8,003.52

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse.

11. State all other regular contributions to the expenses that you list in Schedule J.

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and

other friends or relatives. Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J. Specify: 11. +$ 0.00

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.

Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it applies 12. $ 8,003.52

Combined monthly income

13. Do you expect an increase or decrease within the year after you file this form?

 No.

 Yes. Explain:

Official Form 106I Schedule I: Your Income page 2

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Fill in this information to identify your case:

Debtor 1 Michael Kanarowski Check if this is:

 An amended filing

Debtor 2 Judy Kanarowski  A supplement showing postpetition chapter 13

(Spouse, if filing) expenses as of the following date:

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISIONMM / DD / YYYY

Case number

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number

(if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

Yes. Does Debtor 2 live in a separate household?

 No

 Yes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Householdof Debtor 2.

2. Do you have dependents?  No

Do not list Debtor 1 and

Debtor 2.

Yes. Fill out this information for

each dependent..............

Dependent’s relationship to

Debtor 1 or Debtor 2

Dependent’s

age

Does dependent

live with you?

Do not state the

dependents names. Son

 No

Yes

Son

 No

Yes  No

Yes  No

Yes 3. Do your expenses include

expenses of people other than

yourself and your dependents?

 No

Yes

Part 2: Estimate Your Ongoing Monthly Expenses Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the

applicable date.

Include expenses paid for with non-cash government assistance if you know the

value of such assistance and have included it on Schedule I: Your Income

(Official Form 106I.) Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage

payments and any rent for the ground or lot. 4. $ 1,809.00

If not included in line 4:

4a. Real estate taxes 4a. $ 475.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 375.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 300.00

4d. Homeowner’s association or condominium dues 4d. $ 0.00

5. Additional mortgage payments for your residence, such as home equity loans 5. $ 100.00

Official Form 106J Schedule J: Your Expenses page 1

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

6. Utilities: 6a. Electricity, heat, natural gas 6a. $ 220.00

6b. Water, sewer, garbage collection 6b. $ 110.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 375.00

6d. Other. Specify: 6d. $ 0.00

7. Food and housekeeping supplies 7. $ 780.00

8. Childcare and children’s education costs 8. $ 600.00

9. Clothing, laundry, and dry cleaning 9. $ 240.00

10. Personal care products and services 10. $ 150.00

11. Medical and dental expenses 11. $ 350.00

12. Transportation. Include gas, maintenance, bus or train fare.

Do not include car payments. 12. $ 650.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 400.00

14. Charitable contributions and religious donations 14. $ 400.00

15. Insurance. Do not include insurance deducted from your pay or included in lines 4 or 20.

15a. Life insurance 15a. $ 120.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 0.00

15d. Other insurance. Specify: 15d. $ 0.00

16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20. Specify: 16. $ 0.00

17. Installment or lease payments: 17a. Car payments for Vehicle 1 17a. $ 484.97

17b. Car payments for Vehicle 2 17b. $ 0.00

17c. Other. Specify: 17c. $ 0.00

17d. Other. Specify: 17d. $ 0.00

18. Your payments of alimony, maintenance, and support that you did not report as deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I). 18. $ 0.00

19. Other payments you make to support others who do not live with you. $ 0.00

Specify: 19.

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income. 20a. Mortgages on other property 20a. $ 0.00

20b. Real estate taxes 20b. $ 0.00

20c. Property, homeowner’s, or renter’s insurance 20c. $ 0.00

20d. Maintenance, repair, and upkeep expenses 20d. $ 0.00

20e. Homeowner’s association or condominium dues 20e. $ 0.00

21. Other: Specify: 21. +$ 0.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 7,938.97

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2 $

22c. Add line 22a and 22b. The result is your monthly expenses. $ 7,938.97

23. Calculate your monthly net income. 23a. Copy line 12(your combined monthly income) from Schedule I. 23a. $ 8,003.52

23b. Copy your monthly expenses from line 22c above. 23b. -$ 7,938.97

23c. Subtract your monthly expenses from your monthly income. The result is your monthly net income. 23c. $ 64.55

24. Do you expect an increase or decrease in your expenses within the year after you file this form?

For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a

modification to the terms of your mortgage?

 No.

Yes. Explain here: Overtime is infrequent and causes a reduction in monthly income.

Official Form 106J Schedule J: Your Expenses page 2

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106Dec

Declaration About an Individual Debtor's Schedules 12/15

If two married people are filing together, both are equally responsible for supplying correct information.

You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20

years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Sign Below

Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of person Attach Bankruptcy Petition Preparer’s Notice, Declaration, and Signature (Official Form 119)

Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and

that they are true and correct.

X /s/ Michael Kanarowski X /s/ Judy Kanarowski

Michael Kanarowski Judy Kanarowski

Signature of Debtor 1 Signature of Debtor 2

Date August 2, 2016 Date August 2, 2016

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 106Sum

Summary of Your Assets and Liabilities and Certain Statistical Information 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. Fill out all of your schedules first; then complete the information on this form. If you are filing amended schedules after you file

your original forms, you must fill out a new Summary and check the box at the top of this page.

Part 1: Summarize Your Assets

Your assets Value of what you own

1. Schedule A/B: Property (Official Form 106A/B)

1a. Copy line 55, Total real estate, from Schedule A/B................................................................................................ $ 326,757.00

1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 29,967.00

1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 356,724.00

Part 2: Summarize Your Liabilities

Your liabilities Amount you owe

2. Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D)

2a. Copy the total you listed in Column A, Amount of claim, at the bottom of the last page of Part 1 of Schedule D... $ 318,645.00

3. Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)

3a. Copy the total claims from Part 1 (priority unsecured claims) from line 6e of Schedule E/F................................. $ 0.00

3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F............................ $ 60,590.00

Your total liabilities $ 379,235.00

Part 3: Summarize Your Income and Expenses

4. Schedule I: Your Income (Official Form 106I)

Copy your combined monthly income from line 12 of Schedule I................................................................................ $ 8,003.52

5. Schedule J: Your Expenses (Official Form 106J)

Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 7,938.97

Part 4: Answer These Questions for Administrative and Statistical Records

6. Are you filing for bankruptcy under Chapters 7, 11, or 13?

 No. You have nothing to report on this part of the form. Check this box and submit this form to the court with your other schedules.  Yes 7. What kind of debt do you have?

 Your debts are primarily consumer debts. Consumer debts are those “incurred by an individual primarily for a personal, family, or household

purpose.” 11 U.S.C. § 101(8). Fill out lines 8-9g for statistical purposes. 28 U.S.C. § 159.

 Your debts are not primarily consumer debts. You have nothing to report on this part of the form. Check this box and submit this form to the

court with your other schedules. Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 1 of 2

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

8. From the Statement of Your Current Monthly Income: Copy your total current monthly income from Official Form

122A-1 Line 11; OR, Form 122B Line 11; OR, Form 122C-1 Line 14. $ 12,738.40

9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:

Total claim

From Part 4 on Schedule E/F, copy the following:

9a. Domestic support obligations (Copy line 6a.) $ 0.00

9b. Taxes and certain other debts you owe the government. (Copy line 6b.) $ 0.00

9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.) $ 0.00

9d. Student loans. (Copy line 6f.) $ 0.00

9e. Obligations arising out of a separation agreement or divorce that you did not report as priority claims. (Copy line 6g.) $ 0.00

9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.) +$ 0.00

9g. Total. Add lines 9a through 9f. $ 0.00

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2

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Fill in this information to identify your case: Debtor 1 Michael Kanarowski First Name Middle Name Last Name Debtor 2 Judy Kanarowski

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

Case number

(if known)  Check if this is an

amended filing

Official Form 107

Statement of Financial Affairs for Individuals Filing for Bankruptcy 4/16

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number

(if known). Answer every question.

Part 1: Give Details About Your Marital Status and Where You Lived Before

1. What is your current marital status?

 Married

 Not married

2. During the last 3 years, have you lived anywhere other than where you live now?

 No

 Yes. List all of the places you lived in the last 3 years. Do not include where you live now.

Debtor 1 Prior Address: Dates Debtor 1 lived

there Debtor 2 Prior Address: Dates Debtor 2lived there

3. Within the last 8 years, did you ever live with a spouse or legal equivalent in a community property state or territory? (Community property

states and territories include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington and Wisconsin.)

 No

 Yes. Make sure you fill out Schedule H: Your Codebtors (Official Form 106H).

Part 2 Explain the Sources of Your Income

4. Did you have any income from employment or from operating a business during this year or the two previous calendar years?

Fill in the total amount of income you received from all jobs and all businesses, including part-time activities.

If you are filing a joint case and you have income that you receive together, list it only once under Debtor 1.  No

 Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income Check all that apply.Gross income

(before deductions and

exclusions)

Sources of income Check all that apply.Gross income

(before deductions and exclusions)

For last calendar year:

(January 1 to December 31, 2015 )

 Wages, commissions,

bonuses, tips  Operating a business

$0.00  Wages, commissions,

bonuses, tips  Operating a business

$0.00

For the calendar year before that:

(January 1 to December 31, 2014 )

 Wages, commissions,

bonuses, tips  Operating a business

$0.00  Wages, commissions,

bonuses, tips  Operating a business

$0.00

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Debtor 1 Debtor 2

Sources of income Check all that apply.Gross income

(before deductions and

exclusions)

Sources of income Check all that apply.Gross income

(before deductions and exclusions)

5. Did you receive any other income during this year or the two previous calendar years?

Include income regardless of whether that income is taxable. Examples of other income are alimony; child support; Social Security, unemployment, and

other public benefit payments; pensions; rental income; interest; dividends; money collected from lawsuits; royalties; and gambling and lottery winnings. If

you are filing a joint case and you have income that you received together, list it only once under Debtor 1.

List each source and the gross income from each source separately. Do not include income that you listed in line 4.  No

 Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income Describe below. Gross income from

each source

(before deductions and

exclusions)

Sources of income Describe below. Gross income

(before deductions and exclusions)

Part 3: List Certain Payments You Made Before You Filed for Bankruptcy

6. Are either Debtor 1’s or Debtor 2’s debts primarily consumer debts?

 No. Neither Debtor 1 nor Debtor 2 has primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $6,425* or more?

 No. Go to line 7.

 Yes List below each creditor to whom you paid a total of $6,425* or more in one or more payments and the total amount you paid that

creditor. Do not include payments for domestic support obligations, such as child support and alimony. Also, do not include

payments to an attorney for this bankruptcy case. * Subject to adjustment on 4/01/19 and every 3 years after that for cases filed on or after the date of adjustment.  Yes. Debtor 1 or Debtor 2 or both have primarily consumer debts. During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $600 or more?

No. Go to line 7.

 Yes List below each creditor to whom you paid a total of $600 or more and the total amount you paid that creditor. Do not include

payments for domestic support obligations, such as child support and alimony. Also, do not include payments to an attorney for

this bankruptcy case.

Creditor's Name and Address Dates of payment Total amount

paid

Amount you

still owe Was this payment for ...

7. Within 1 year before you filed for bankruptcy, did you make a payment on a debt you owed anyone who was an insider?

Insiders include your relatives; any general partners; relatives of any general partners; partnerships of which you are a general partner; corporations of which you are an officer, director, person in control, or owner of 20% or more of their voting securities; and any managing agent, including one for a

business you operate as a sole proprietor. 11 U.S.C. § 101. Include payments for domestic support obligations, such as child support and alimony.  No

 Yes. List all payments to an insider.

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe Reason for this payment

8. Within 1 year before you filed for bankruptcy, did you make any payments or transfer any property on account of a debt that benefited an

insider?

Include payments on debts guaranteed or cosigned by an insider.  No

 Yes. List all payments to an insider

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe Reason for this paymentInclude creditor's name

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 4: Identify Legal Actions, Repossessions, and Foreclosures

9. Within 1 year before you filed for bankruptcy, were you a party in any lawsuit, court action, or administrative proceeding?

List all such matters, including personal injury cases, small claims actions, divorces, collection suits, paternity actions, support or custody modifications, and contract disputes.  No

 Yes. Fill in the details.

Case title Case number Nature of the case Court or agency Status of the case

10. Within 1 year before you filed for bankruptcy, was any of your property repossessed, foreclosed, garnished, attached, seized, or levied?

Check all that apply and fill in the details below.

 No. Go to line 11.

 Yes. Fill in the information below. Creditor Name and Address Describe the Property

Explain what happened

Date Value of the property

11. Within 90 days before you filed for bankruptcy, did any creditor, including a bank or financial institution, set off any amounts from your accounts or refuse to make a payment because you owed a debt?

 No

 Yes. Fill in the details.

Creditor Name and Address Describe the action the creditor took Date action was

taken Amount

12. Within 1 year before you filed for bankruptcy, was any of your property in the possession of an assignee for the benefit of creditors, a

court-appointed receiver, a custodian, or another official?

 No

 Yes

Part 5: List Certain Gifts and Contributions

13. Within 2 years before you filed for bankruptcy, did you give any gifts with a total value of more than $600 per person?

 No

 Yes. Fill in the details for each gift. Gifts with a total value of more than $600 per person

Person to Whom You Gave the Gift and

Address:

Describe the gifts Dates you gave

the gifts Value

14. Within 2 years before you filed for bankruptcy, did you give any gifts or contributions with a total value of more than $600 to any charity?

 No

 Yes. Fill in the details for each gift or contribution. Gifts or contributions to charities that total more than $600

Charity's Name Address (Number, Street, City, State and ZIP Code)

Describe what you contributed Dates you

contributed

Value

Part 6: List Certain Losses

15. Within 1 year before you filed for bankruptcy or since you filed for bankruptcy, did you lose anything because of theft, fire, other disaster, or gambling?

 No

 Yes. Fill in the details.

Describe the property you lost and

how the loss occurred

Describe any insurance coverage for the loss

Include the amount that insurance has paid. List pending

insurance claims on line 33 of Schedule A/B: Property.

Date of your

loss Value of propertylost

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 7: List Certain Payments or Transfers

16. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone you

consulted about seeking bankruptcy or preparing a bankruptcy petition?

Include any attorneys, bankruptcy petition preparers, or credit counseling agencies for services required in your bankruptcy.  No

 Yes. Fill in the details.

Person Who Was Paid

Address Email or website address Person Who Made the Payment, if Not You

Description and value of any property

transferred

Date payment or

transfer was made

Amount of

payment

The Law Offices of Erich G. Monzon

466 Central Ave Ste 34

Northfield, IL 60093-3031

1500 $0.00

17. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone who

promised to help you deal with your creditors or to make payments to your creditors?

Do not include any payment or transfer that you listed on line 16.  No

 Yes. Fill in the details.

Person Who Was Paid

Address Description and value of any propertytransferred

Date payment or

transfer was made

Amount of

payment

18. Within 2 years before you filed for bankruptcy, did you sell, trade, or otherwise transfer any property to anyone, other than property

transferred in the ordinary course of your business or financial affairs?

Include both outright transfers and transfers made as security (such as the granting of a security interest or mortgage on your property). Do not include

gifts and transfers that you have already listed on this statement.  No

 Yes. Fill in the details.

Person Who Received Transfer Address

Person's relationship to you

Description and value of

property transferred

Describe any property or payments received or debts paid in exchangeDate transfer was made

19. Within 10 years before you filed for bankruptcy, did you transfer any property to a self-settled trust or similar device of which you are a beneficiary? (These are often called asset-protection devices.)

 No

 Yes. Fill in the details.

Name of trust Description and value of the property transferred Date Transfer was made

Part 8: List of Certain Financial Accounts, Instruments, Safe Deposit Boxes, and Storage Units

20. Within 1 year before you filed for bankruptcy, were any financial accounts or instruments held in your name, or for your benefit, closed, sold, moved, or transferred?

Include checking, savings, money market, or other financial accounts; certificates of deposit; shares in banks, credit unions, brokerage houses, pension funds, cooperatives, associations, and other financial institutions.  No

 Yes. Fill in the details. Name of Financial Institution and

Address (Number, Street, City, State and ZIP

Code)

Last 4 digits of account number Type of account or

instrument

Date account was

closed, sold, moved, or

transferred

Last balance before

closing or transfer

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

21. Do you now have, or did you have within 1 year before you filed for bankruptcy, any safe deposit box or other depository for securities, cash, or other valuables?

 No

 Yes. Fill in the details. Name of Financial Institution Address (Number, Street, City, State and ZIP Code)

Who else had access to it?

Address (Number, Street, City, State

and ZIP Code)

Describe the contents Do you still

have it?

22. Have you stored property in a storage unit or place other than your home within 1 year before you filed for bankruptcy?

 No

 Yes. Fill in the details. Name of Storage Facility

Address (Number, Street, City, State and ZIP Code)

Who else has or had access

to it?

Address (Number, Street, City, State

and ZIP Code)

Describe the contents Do you still

have it?

Part 9: Identify Property You Hold or Control for Someone Else

23. Do you hold or control any property that someone else owns? Include any property you borrowed from, are storing for, or hold in trust for someone.  No

 Yes. Fill in the details. Owner's Name Address (Number, Street, City, State and ZIP Code)

Where is the property?

(Number, Street, City, State and ZIP

Code)

Describe the property Value

Part 10: Give Details About Environmental Information

For the purpose of Part 10, the following definitions apply:  Environmental law means any federal, state, or local statute or regulation concerning pollution, contamination, releases of hazardous or

toxic substances, wastes, or material into the air, land, soil, surface water, groundwater, or other medium, including statutes or regulations

controlling the cleanup of these substances, wastes, or material.  Site means any location, facility, or property as defined under any environmental law, whether you now own, operate, or utilize it or used to

own, operate, or utilize it, including disposal sites.  Hazardous material means anything an environmental law defines as a hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, contaminant, or similar term.

Report all notices, releases, and proceedings that you know about, regardless of when they occurred.

24. Has any governmental unit notified you that you may be liable or potentially liable under or in violation of an environmental law?

 No

 Yes. Fill in the details. Name of site Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

25. Have you notified any governmental unit of any release of hazardous material?

 No

 Yes. Fill in the details. Name of site Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5

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Debtor 1

Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

26. Have you been a party in any judicial or administrative proceeding under any environmental law? Include settlements and orders.  No

 Yes. Fill in the details. Case Title Case Number Court or agency

Name Address (Number, Street, City, State

and ZIP Code)

Nature of the case Status of the

case

Part 11: Give Details About Your Business or Connections to Any Business

27. Within 4 years before you filed for bankruptcy, did you own a business or have any of the following connections to any business?

A sole proprietor or self-employed in a trade, profession, or other activity, either full-time or part-time A member of a limited liability company (LLC) or limited liability partnership (LLP)

A partner in a partnership

An officer, director, or managing executive of a corporation An owner of at least 5% of the voting or equity securities of a corporation  No. None of the above applies. Go to Part 12.  Yes. Check all that apply above and fill in the details below for each business. Business Name Address

(Number, Street, City, State and ZIP Code)

Describe the nature of the business

Name of accountant or bookkeeper

Employer Identification number Do not include Social Security number or ITIN.

Dates business existed

28. Within 2 years before you filed for bankruptcy, did you give a financial statement to anyone about your business? Include all financial

institutions, creditors, or other parties.  No

 Yes. Fill in the details below. Name Address

(Number, Street, City, State and ZIP Code)

Date Issued

Part 12: Sign Below

I have read the answers on this Statement of Financial Affairs and any attachments, and I declare under penalty of perjury that the answers are

true and correct. I understand that making a false statement, concealing property, or obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

/s/ Michael Kanarowski /s/ Judy Kanarowski

Michael Kanarowski Judy Kanarowski

Signature of Debtor 1 Signature of Debtor 2

Date August 2, 2016 Date August 2, 2016

Did you attach additional pages to Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107)?

 No

Yes

Did you pay or agree to pay someone who is not an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of Person . Attach the Bankruptcy Petition Preparer's Notice, Declaration, and Signature (Official Form 119).

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6

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Fill in this information to identify your case: Check one box only as directed in this form and in Form

122A-1Supp: Debtor 1 Michael Kanarowski

 1. There is no presumption of abuse

 2. The calculation to determine if a presumption of abuse

applies will be made under Chapter 7 Means Test

Calculation (Official Form 122A-2).

3. The Means Test does not apply now because of qualified military service but it could apply later.

Debtor 2 Judy Kanarowski

(Spouse, if filing)

United States Bankruptcy Court for the:

Northern District of Illinois, Eastern

Division

Case number

(if known)

 Check if this is an amended filing

Official Form 122A - 1

Chapter 7 Statement of Your Current Monthly Income 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more space is needed, attach

a separate sheet to this form. Include the line number to which the additional information applies. On the top of any additional pages, write your name and case

number (if known). If you believe that you are exempted from a presumption of abuse because you do not have primarily consumer debts or because of qualifying

military service, complete and file Statement of Exemption from Presumption of Abuse Under § 707(b)(2) (Official Form 122A-1Supp) with this form.

Part 1: Calculate Your Current Monthly Income

1. What is your marital and filing status? Check one only.

Not married. Fill out Column A, lines 2-11.

Married and your spouse is filing with you. Fill out both Columns A and B, lines 2-11.

Married and your spouse is NOT filing with you. You and your spouse are: Living in the same household and are not legally separated. Fill out both Columns A and B, lines 2-11.

Living separately or are legally separated. Fill out Column A, lines 2-11; do not fill out Column B. By checking this box, you declare under

penalty of perjury that you and your spouse are legally separated under nonbankruptcy law that applies or that you and your spouse are living

apart for reasons that do not include evading the Means Test requirements. 11 U.S.C § 707(b)(7)(B). Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy case. 11 U.S.C. §

101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through August 31. If the amount of your monthly income varied during the

6 months, add the income for all 6 months and divide the total by 6. Fill in the result. Do not include any income amount more than once. For example, if both spouses

own the same rental property, put the income from that property in one column only. If you have nothing to report for any line, write $0 in the space.

Column A

Debtor 1

Column B

Debtor 2 or non-filing spouse

2. Your gross wages, salary, tips, bonuses, overtime, and commissions (before all

payroll deductions). $ 5,917.60 $ 6,820.80

3. Alimony and maintenance payments. Do not include payments from a spouse if

Column B is filled in. $ 0.00 $ 0.00

4. All amounts from any source which are regularly paid for household expenses of you or your dependents, including child support. Include regular contributions

from an unmarried partner, members of your household, your dependents, parents, and

roommates. Include regular contributions from a spouse only if Column B is not filled in.

Do not include payments you listed on line 3. $ 0.00 $ 0.00

5. Net income from operating a business, profession, or farm

Debtor 1

Gross receipts (before all deductions) $ 0.00

Ordinary and necessary operating expenses -$ 0.00

Net monthly income from a business, profession, or farm $ 0.00 Copy here -> $ 0.00 $ 0.00

6. Net income from rental and other real property

Debtor 1

Gross receipts (before all deductions) $ 0.00

Ordinary and necessary operating expenses -$ 0.00

Net monthly income from rental or other real property $ 0.00 Copy here -> $ 0.00 $ 0.00

7. Interest, dividends, and royalties $ 0.00 $ 0.00

Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 1

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Debtor 1 Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Column A

Debtor 1

Column B

Debtor 2 or non-filing spouse

8. Unemployment compensation $ 0.00 $ 0.00

Do not enter the amount if you contend that the amount received was a benefit under the Social Security Act. Instead, list it here:

For you $ 0.00

For your spouse $ 0.00

9. Pension or retirement income. Do not include any amount received that was a benefit under the Social Security Act. $ 0.00 $ 0.00

10. Income from all other sources not listed above. Specify the source and amount. Do

not include any benefits received under the Social Security Act or payments received as a victim of a war crime, a crime against humanity, or international or domestic terrorism.

If necessary, list other sources on a separate page and put the total below.

. $ 0.00 $ 0.00

$ 0.00 $ 0.00

Total amounts from separate pages, if any. + $ 0.00 $ 0.00

11. Calculate your total current monthly income. Add lines 2 through 10 for each column. Then add the total for Column A to the total for Column B. $ 5,917.60 + $ 6,820.80 = $ 12,738.40

Total current monthly

income Part 2: Determine Whether the Means Test Applies to You

12. Calculate your current monthly income for the year. Follow these steps:

12a. Copy your total current monthly income from line 11 Copy line 11 here=> $ 12,738.40

Multiply by 12 (the number of months in a year) x 12

12b. The result is your annual income for this part of the form 12b. $ 152,860.80

13. Calculate the median family income that applies to you. Follow these steps:

Fill in the state in which you live. IL

Fill in the number of people in your household. 4

Fill in the median family income for your state and size of household. 13. $ 86,921.00

To find a list of applicable median income amounts, go online using the link specified in the separate instructions for this

form. This list may also be available at the bankruptcy clerk’s office.

14. How do the lines compare?

14a.  Line 12b is less than or equal to line 13. On the top of page 1, check box 1, There is no presumption of abuse. Go to Part 3.

14b.  Line 12b is more than line 13. On the top of page 1, check box 2, The presumption of abuse is determined by Form 122A-2. Go to Part 3 and fill out Form 122A-2.

Part 3: Sign Below

By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct. X /s/ Michael Kanarowski X /s/ Judy Kanarowski

Michael Kanarowski Judy Kanarowski

Signature of Debtor 1 Signature of Debtor 2

Date August 2, 2016 Date August 2, 2016

MM / DD / YYYY MM / DD / YYYY

If you checked line 14a, do NOT fill out or file Form 122A-2.

If you checked line 14b, fill out Form 122A-2 and file it with this form.

Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 2

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Fill in this information to identify your case: Check the appropriate box as directed in

lines 40 or 42:

Debtor 1 Michael Kanarowski

According to the calculations required by this Statement:

 1. There is no presumption of abuse.

 2. There is a presumption of abuse.

Debtor 2 Judy Kanarowski

(Spouse, if filing)

United States Bankruptcy Court for the:

Northern District of Illinois, Eastern

Division

Case number

(if known)

 Check if this is an amended filing

Official Form 122A - 2

Chapter 7 Means Test Calculation 04/16

To fill out this form, you will need your completed copy of Chapter 7 Statement of Your Current Monthly Income (Official Form 122A-1).

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more space

is needed, attach a separate sheet to this form, Include the line number to which additional information applies. On the top any additional pages, write your name and case number (if known).

Part 1: Determine Your Adjusted Income

1. Copy your total current monthly income. Copy line 11 from Official Form 122A-1 here=>........ $ 12,738.40

2. Did you fill out Column B in Part 1 of Form 122A-1?

 No. Fill in $0 for the total on line 3.

Yes. Is your spouse Filing with you?

 No. Go to line 3.

Yes. Fill in $0 the total on line 3.

3. Adjust your current monthly income by subtracting any part of your spouse's income not used to pay for the household expenses of you or your dependents. Follow these steps: On line 11, Column B of Form 122A–1, was any amount of the income you reported for your spouse NOT regularly used for the household expenses of

you or your dependents?

 No. Fill in 0 for the total on line 3.

Yes. Fill in the information below:

State each purpose for which the income was used

For example, the income is used to pay your spouse's tax debt or to

support other than you or your dependents.

Fill in the amount you

are subtracting from

your spouse's income

$

$

$

Total. $ 0.00

Copy total here=>... - $ 0.00

4. Adjust your current monthly income. Subtract line 3 from line 1. $ 12,738.40

Official Form 122A-2 Chapter 7 Means Test Calculation page 1

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Debtor 1 Debtor 2 Kanarowski, Michael & Kanarowski, Judy Case number (if known)

Part 2: Calculate Your Deductions from Your Income

The Internal Revenue Service (IRS) issues National and Local Standards for certain expense amounts. Use these amounts to

answer the questions in lines 6-15. To find the IRS standards, go online using the link specified in the separate instructions

for this form. This information may also be available at the bankruptcy clerk's office.

Deduct the expense amounts set out in lines 6-15 regardless of your actual expense. In later parts of the form, you will use some of your actual expenses if they are higher than the standards. Do not deduct any amounts that you subtracted fro your spouse's income in line 3

and do not deduct any operating expenses that you subtracted from in income in lines 5 and 6 of form 122A-1.

If your expenses differ from month to month, enter the average expense. Whenever this part of the from refers to you, it means both you and your spouse if Column B of Form 122A-1 is filled in.

5. The number of people used in determining your deductions from income

Fill in the number of people who could be claimed as exemptions on your federal income tax return, plus the

number of any additional dependents whom you support. This number may be different from the number of

people in your household.

4 Living

0 Housing

National Standards You must use the IRS National Standards to answer the questions in lines 6-7.

6. Food, clothing, and other items: Using the number of people you entered in line 5 and the IRS National Standards,

fill in the dollar amount for food, clothing, and other items. $ 1,509.00

7. Out-of-pocket health care allowance: Using the number of people you entered in line 5 and the IRS National Standards, fill in

the dollar amount for out-of-pocket health care. The number of people is split into two categories--people who are under 65 and

people who are 65 or older--because older people have a higher IRS allowance for health care costs. If your actual expenses are

higher than this IRS amount, you may deduct the additional amount on line 22.

People who are under 65 years of age

7a. Out-of-pocket health care allowance per person $ 54

7b. Number of people who are under 65 X 4

7c. Subtotal. Multiply line 7a by line 7b. $ 216.00 Copy here=> $ 216.00

People who are 65 years of age or older

7d. Out-of-pocket health care allowance per person $ 130

7e. Number of people who are 65 or older X 0

7f. Subtotal. Multiply line 7d by line 7e. $ 0.00 Copy here=> +$ 0.00

7g. Total. Add line 7c and line 7f $ 216.00 Copy total here=> $ 216.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 2

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Local Standards You must use the IRS Local Standards to answer the questions in lines 8-15.

Based on information from the IRS, the U.S. Trustee Program has divided the IRS Local Standard for housing for bankruptcy

purposes into two parts: Housing and utilities - Insurance and operating expenses Housing and utilities - Mortgage or rent expenses

To answer the questions in lines 8-9, use the U.S. Trustee Program chart.

To find the chart, go online using the link specified in the separate instructions for this form.

This chart may also be available at the bankruptcy clerk's office.

8. Housing and utilities - Insurance and operating expenses: Using the number of people you entered in line 5, fill in

the dollar amount listed for your county for insurance and operating expenses. ........................................... $ 669.00

9. Housing and utilities - Mortgage or rent expenses:

9a. Using the number of people you entered in line 5, fill in the dollar amount

listed for your county for mortgage or rent expenses................................... $ 1,768.00

9b. Total average monthly payment for all mortgages and other debts secured by your home.

To calculate the total average monthly payment, add all amounts that are

contractually due to each secured creditor in the 60 months after you file for bankruptcy. Then divide by 60.

Name of the creditor Average monthly

payment

Chase Mtg $ 4,657.52

Jpmorgan Chase Bank $ 497.05

Total average monthly payment $ 5,154.57

Copy

here=> -$ 5,154.57

Repeat this

amount on

line 33a.

9c. Net mortgage or rent expense.

Subtract line 9b (total average monthly payment) from line 9a (mortgage or

rent expense). If this amount is less than $0, enter $0. ........................ $ 0.00

Copy

here=> $ 0.00

10. If you claim that the U.S. Trustee Program's division of the IRS Local Standard for housing is incorrect and

affects the calculation of your monthly expenses, fill in any additional amount you claim. $ 0.00

Explain why:

11. Local transportation expenses: Check the number of vehicles for which you claim an ownership or operating expense.  0. Go to line 14.

 1. Go to line 12.

 2 or more. Go to line 12.

12. Vehicle operation expense: Using the IRS Local Standards and the number of vehicles for which you claim the operating

expenses, fill in the Operating Costs that apply for your Census region or metropolitan statistical area. $ 472.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 3

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13. Vehicle ownership or lease expense: Using the IRS Local Standards, calculate the net ownership or lease expense for each vehicle below. You may not claim the expense if you do not make any loan or lease payments on the vehicle. In addition, you may not claim the expense for more than

two vehicles.

Vehicle 1 Describe Vehicle 1:

,

13a. Ownership or leasing costs using IRS Local Standard........................................... $ 471.00

13b. Average monthly payment for all debts secured by Vehicle 1. Do not include costs for leased vehicles.

To calculate the average monthly payment here and on line 13e, add all amounts that are

contractually due to each secured creditor in the 60 months after you filed for bankruptcy. Then divide by 60.

Name of each creditor for Vehicle 1 Average monthly

payment

Amr Eagle Bk $ 156.18

Total Average Monthly Payment $ 156.18

Copy

here => -$ 156.18

Repeat this amount on

line 33b.

13c. Net Vehicle 1 ownership or lease expense Subtract line 13b from line 13a. if this amount is less than $0, enter $0.......................... $ 314.82

Copy net

Vehicle 1

expense

here => $ 314.82

Vehicle 2 Describe Vehicle 2:

13d. Ownership or leasing costs using IRS Local Standard................................................. $ 471.00

13e. Average monthly payment for all debts secured by Vehicle 2. Do not include costs for

leased vehicles.

Name of each creditor for Vehicle 2 Average monthly

payment

-NONE- $

Total Average Monthly Payment $ 0.00

Copy

here => -$ 0.00

Repeat this amount on line

33c.

13f. Net Vehicle 2 ownership or lease expense Subtract line 13e from line 13d. if this amount is less than $0, enter $0. ........................ $ 471.00

Copy net

Vehicle 2

expense

here => $ 471.00

14. Public transportation expense: If you claimed 0 vehicles in line 11, using the IRS Local Standards, fill in the Public Transportation expense allowance regardless of whether you use public transportation. $ 0.00

15. Additional public transportation expense: If you claimed 1 or more vehicles in line 11 and if you claim that you may also

deduct a public transportation expense, you may fill in what you believe is the appropriate expense, but you may not claim

more than the IRS Local Standard for Public Transportation. $ 0.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 4

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Other Necessary Expenses In addition to the expense deductions listed above, you are allowed your monthly expenses for

the following IRS categories.

16. Taxes: The total monthly amount that you will actually owe for federal, state and local taxes, such as income taxes, self-employment taxes, Social Security taxes, and Medicare taxes. You may include the monthly amount withheld from

your pay for these taxes. However, if you expect to receive a tax refund, you must divide the expected refund by 12 and

subtract that number from the total monthly amount that is withheld to pay for taxes. Do not include real estate, sales, or use taxes. $ 4,141.52

17. Involuntary deductions: The total monthly payroll deductions that your job requires, such as retirement contributions, union dues, and uniform costs.

Do not include amounts that are not required by your job, such as voluntary 401(k) contributions or payroll savings. $ 318.08

18. Life Insurance: The total monthly premiums that you pay for your own term life insurance. If two married people are filing

together, include payments that you make for your spouse's term life insurance. Do not include premiums for life insurance

on your dependents, for a non-filing spouse's life insurance, or for any form of life insurance other than term. $ 120.00

19. Court-ordered payments: The total monthly amount that you pay as required by the order of a court or administrative

agency, such as spousal or child support payments. Do not include payments on past due obligations for spousal or child support. You will list these obligations in line 35. $ 0.00

20. Education: The total monthly amount that you pay for education that is either required: as a condition for your job, or for your physically or mentally challenged dependent child if no public education is available for similar services. $ 0.00

21. Childcare: The total monthly amount that you pay for childcare, such as babysitting, daycare, nursery, and preschool. Do not include payments for any elementary or secondary school education. $ 295.84

22. Additional health care expenses, excluding insurance costs: The monthly amount that you pay for health care that is

required for the health and welfare of you or your dependents and that is not reimbursed by insurance or paid by a health

savings account. Include only the amount that is more than the total entered in line 7.

Payments for health insurance or health savings accounts should be listed only in line 25. $ 125.00

23. Optional telephone and telephone services: The total monthly amount that you pay for telecommunication services for you and your dependents, such as pagers, call waiting, caller identification, special long distance, or business cell phone

service, to the extent necessary for your health and welfare or that of your dependents or for the production of income, if it

is not reimbursed by your employer. Do not include payments for basic home telephone, internet and cell phone service. Do not include self-employment expenses, such as those reported on line 5 of Official Form 122A-1, or any amount you previously deducted. +$ 0.00

24. Add all of the expenses allowed under the IRS expense allowances. $ 8,652.26

Add lines 6 through 23.

Official Form 122A-2 Chapter 7 Means Test Calculation page 5

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Additional Expense Deductions These are additional deductions allowed by the Means Test. Note: Do not include any expense allowances listed in lines 6-24.

25. Health insurance, disability insurance, and health savings account expenses. The monthly expenses for health

insurance, disability insurance, and health savings accounts that are reasonably necessary for yourself, your spouse, or your dependents. Health insurance $ 970.92

Disability insurance $ 0.00

Health savings account + $ 0.00

Total $ 970.92 Copy total here=> $ 970.92

Do you actually spend this total amount?

 No. How much do you actually spend?

 Yes $

26. Continued contributions to the care of household or family members. The actual monthly expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically ill, or disabled member of your household or member of your immediate family who is unable to pay for such expenses. These expenses may include

contributions to an account of a qualified ABLE program. 26 U.S.C.§ 529A(b). $ 0.00

27. Protection against family violence. The reasonably necessary monthly expenses that you incur to maintain the safety of

you and your family under the Family Violence Prevention and Services Act or other federal laws that apply.

By law, the court must keep the nature of these expenses confidential. $ 0.00

28. Additional home energy costs. Your home energy costs are included in your insurance and operating expenses on line 8.

If you believe that you have home energy costs that are more than the home energy costs included in expenses on line 8,

then fill in the excess amount of home energy costs.

You must give your case trustee documentation of your actual expenses, and you must show that the additional amount claimed is reasonable and necessary. $ 0.00

29. Education expenses for dependent children who are younger than 18. The monthly expenses (not more than

$160.42* per child) that you pay for your dependent children who are younger than 18 years old to attend a private or public elementary or secondary school.

You must give your case trustee documentation of your actual expenses, and you must explain why the amount claimed is

reasonable and necessary and not already accounted for in lines 6-23.

* Subject to adjustment on 4/01/19, and every 3 years after that for cases begun on or after the date of adjustment. $ 0.00

30. Additional food and clothing expense. The monthly amount by which your actual food and clothing expenses are higher

than the combined food and clothing allowances in the IRS National Standards. That amount cannot be more than 5% of

the food and clothing allowances in the IRS National Standards.

To find a chart showing the maximum additional allowance, go online using the link specified in the separate instructions for

this form. This chart may also be available at the bankruptcy clerk's office.

You must show that the additional amount claimed is reasonable and necessary. $ 0.00

31. Continuing charitable contributions. The amount that you will continue to contribute in the form of cash or financial

instruments to a religious or charitable organization. 26 U.S.C. § 170(c)(1)-(2). +$ 0.00

32. Add all of the additional expense deductions. $ 970.92

Add lines 25 through 31.

Official Form 122A-2 Chapter 7 Means Test Calculation page 6

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Deductions for Debt Payment

33. For debts that are secured by an interest in property that you own, including home mortgages, vehicle loans, and other secured debt, fill in lines 33a through 33e. To calculate the total average monthly payment, add all amounts that are contractually due to each secured creditor in

the 60 months after you file for bankruptcy. Then divide by 60. Mortgages on your home: Average monthly

payment

33a. Copy line 9b here => $ 5,154.57

Loans on your first two vehicles: 33b. Copy line 13b here => $ 156.18

33c. Copy line 13e here => $ 0.00

33d. List other secured debts: Name of each creditor for other secured debt Identify property that secures the debt Does payment

include taxes or

insurance?

-NONE-  No

 Yes $

 No

 Yes $

 No

 Yes +$

33e. Total average monthly payment. Add lines 33a through 33d $ 5,310.75

Copy

total

here=> $ 5,310.75

34. Are any debts that you listed in line 33 secured by your primary residence, a vehicle, or other property necessary for your support or the support of your dependents?

No. Go to line 35.

 Yes. State any amount that you must pay to a creditor, in addition to the payments listed in

line 33, to keep possession of your property (called the cure amount). Next, divide by

60 and fill in the information below.

Name of the creditor Identify property that secures the debt Total cure

amount

Monthly cure

amount

-NONE- $ ÷ 60 = $

Total $ 0.00

Copy

total

here=> $ 0.00

35. Do you owe any priority claims such as a priority tax, child support, or alimony - that are past due as of the filing date of your bankruptcy case? 11 U.S.C. § 507. No. Go to line 36.

 Yes. Fill in the total amount of all of these priority claims. Do not include current or ongoing

priority claims, such as those you listed in line 19.

Total amount of all past-due priority claims $ 0.00 ÷ 60 = $ 0.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 7

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36. Are you eligible to file a case under Chapter 13? 11 U.S.C. § 109(e). For more information, go online using the link for Bankruptcy Basics specified in the separate

instructions for this form. Bankruptcy Basics may also be available at the bankruptcy clerk's office. No. Go to line 37.

 Yes. Fill in the following information.

Projected monthly plan payment if you were filing under Chapter 13 $

Current multiplier for your district as stated on the list issued by the Administrative Office of the United States Courts (for districts in Alabama

and North Carolina) or by the Executive Office for United States Trustees (for all other districts). X

To find a list of district multipliers that includes your district, go online using the

link specified in the separate instructions for this form. This list may also be

available at the bankruptcy clerk’s office.

Average monthly administrative expense if you were filing under Chapter 13 $

Copy total

here=> $

37. Add all of the deductions for debt payment. $ 5,310.75

Add lines 33e through 36.

Total Deductions from Income

38. Add all of the allowed deductions. Copy line 24, All of the expenses allowed under IRS

expense allowances $ 8,652.26

Copy line 32, All of the additional expense deductions $ 970.92

Copy line 37, All of the deductions for debt payment +$ 5,310.75

Total deductions $ 14,933.93 Copy total here...........=> $ 14,933.93

Part 3: Determine Whether There is a Presumption of Abuse

39. Calculate monthly disposable income for 60 months

39a. Copy line 4, adjusted current monthly income $ 12,738.40

39b. Copy line 38,Total deductions - $ 14,933.93

39c. Monthly disposable income. 11 U.S.C. § 707(b)(2). Subtract line 39b from line 39a $ 0.00Copy

here=>$ 0.00

For the next 60 months (5 years) x 60

39d. Total. Multiply line 39c by 60 $ 0.00

Copy

here=> $ 0.00

40. Find out whether there is a presumption of abuse. Check the box that applies:

The line 39d is less than $7,700*. On the top of page 1 of this form, check box 1, There is no presumption of abuse. Go to Part 5.

 The line 39d is more than $12,850*. On the top of page 1 of this form, check box 2, There is a presumption of abuse. You may fill out Part 4

if you claim special circumstances. Go to Part 5.

 The line 39d is at least $7,700*, but not more than $12,850*. Go to line 41.

*Subject to adjustment on 4/01/19, and every 3 years after that for cases filed on or after the date of adjustment.

Official Form 122A-2 Chapter 7 Means Test Calculation page 8

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41. 41a. Fill in the amount of your total nonpriority unsecured debt. If you filled out A

Summary of Your Assets and Liabilities and Certain Statistical Information Schedules (Official Form 106Sum), you may refer to line 3b on that form. 41a. $

x .25

41b. 25% or your total nonpriority unsecured debt. 11 U.S.C. § 707(b)(2)(A)(i)(I) $ Copy

here=> $

Multiply line 41a by 0.25.....................................................................................

42. Determine whether the income you have left over after subtracting all allowed deductions is enough to pay 25%

of your unsecured, nonpriority debt. Check the box that applies:

 Line 39d is less than line 41b. On the top of page 1 of this form, check box 1, There is no presumption of abuse. Go to Part 5.

 Line 39d is equal to or more than line 41b. On the top of page 1 of this form, check box 2, There is a presumption of abuse. You may fill out Part 4 if you claim special circumstances. Then go to Part 5.

Part 4: Give Details About Special Circumstances

43. Do you have any special circumstances that justify additional expenses or adjustments of current monthly income for which there is no

reasonable alternative? 11 U.S.C. § 707(b)(2)(B). No. Go to Part 5.

 Yes. Fill in the following information. All figures should reflect your average monthly expense or income adjustment for each item. You may include expenses you listed in line 25.

You must give a detailed explanation of the special circumstances that make the expenses or income adjustments necessary and reasonable. You must also give your case trustee documentation of your actual expenses or income

adjustments.

Give a detailed explanation of the special circumstances Average monthly expense or income adjustment

$

$

$

$

Part 5: Sign Below

By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct. X /s/ Michael Kanarowski X /s/ Judy Kanarowski

Michael Kanarowski Judy Kanarowski

Signature of Debtor 1 Signature of Debtor 2

Date August 2, 2016 Date August 2, 2016

MM / DD / YYYY MM / DD / YYYY

Official Form 122A-2 Chapter 7 Means Test Calculation page 9

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Notice Required by 11 U.S.C. § 342(b) for

Individuals Filing for Bankruptcy (Form 2010)

This notice is for you if:

You are an individual filing for bankruptcy,

and

Your debts are primarily consumer debts.

Consumer debts are defined in 11 U.S.C.

§ 101(8) as “incurred by an individual

primarily for a personal, family, or

household purpose.”

Chapter 7: Liquidation

$245 filing fee

 $75 administrative fee

+ $15 trustee surcharge

$335 total fee

Chapter 7 is for individuals who have financial

difficulty preventing them from paying their debts

and who are willing to allow their nonexempt

property to be used to pay their creditors. The

primary purpose of filing under chapter 7 is to have

your debts discharged. The bankruptcy discharge

relieves you after bankruptcy from having to pay

many of your pre-bankruptcy debts. Exceptions

exist for particular debts, and liens on property may

still be enforced after discharge. For example, a

creditor may have the right to foreclose a home

mortgage or repossess an automobile.

However, if the court finds that you have committed

certain kinds of improper conduct described in the

Bankruptcy Code, the court may deny your

discharge.

You should know that even if you file chapter 7 and

you receive a discharge, some debts are not

discharged under the law. Therefore, you may still

be responsible to pay:

most taxes;

most student loans;

domestic support and property settlement

obligations;

The types of bankruptcy that are available to

individuals

Individuals who meet the qualifications may file under

one of four different chapters of Bankruptcy Code:

Chapter 7 - Liquidation

Chapter 11 - Reorganization

Chapter 12 - Voluntary repayment plan

for family farmers or

fishermen

Chapter 13 - Voluntary repayment plan

for individuals with regular

income

You should have an attorney review your

decision to file for bankruptcy and the choice of

chapter.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 1

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most fines, penalties, forfeitures, and criminal

restitution obligations; and

certain debts that are not listed in your bankruptcy

papers.

You may also be required to pay debts arising from:

fraud or theft;

fraud or defalcation while acting in breach of

fiduciary capacity;

intentional injuries that you inflicted; and

death or personal injury caused by operating a

motor vehicle, vessel, or aircraft while intoxicated

from alcohol or drugs.

If your debts are primarily consumer debts, the court

can dismiss your chapter 7 case if it finds that you

have enough income to repay creditors a certain

amount. You must file Chapter 7 Statement of Your

Current Monthly Income (Official Form 122A–1) if you

are an individual filing for bankruptcy under chapter 7.

This form will determine your current monthly income

and compare whether your income is more than the

median income that applies in your state.

If your income is not above the median for your state,

you will not have to complete the other chapter 7 form,

the Chapter 7 Means Test Calculation (Official Form

122A–2).

If your income is above the median for your state, you

must file a second form —the Chapter 7 Means Test

Calculation (Official Form 122A–2). The calculations

on the form— sometimes called the Means

Test—deduct from your income living expenses and

payments on certain debts to determine any amount

available to pay unsecured creditors. If

your income is more than the median income for your

state of residence and family size, depending on the

results of the Means Test, the U.S. trustee, bankruptcy

administrator, or creditors can file a motion to dismiss

your case under § 707(b) of the Bankruptcy Code. If a

motion is filed, the court will decide if your case should

be dismissed. To avoid dismissal, you may choose to

proceed under another chapter of the Bankruptcy

Code.

If you are an individual filing for chapter 7 bankruptcy,

the trustee may sell your property to pay your debts,

subject to your right to exempt the property or a portion

of the proceeds from the sale of the property. The

property, and the proceeds from property that your

bankruptcy trustee sells or liquidates that you are

entitled to, is called exempt property. Exemptions may

enable you to keep your home, a car, clothing, and

household items or to receive some of the proceeds if

the property is sold.

Exemptions are not automatic. To exempt property,

you must list it on Schedule C: The Property You Claim

as Exempt (Official Form 106C). If you do not list the

property, the trustee may sell it and pay all of the

proceeds to your creditors.

Chapter 11: Reorganization

$1,167 filing fee

+ $550 administrative fee

$1,717 total fee

Chapter 11 is often used for reorganizing a business,

but is also available to individuals. The provisions of

chapter 11 are too complicated to summarize briefly.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 2

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Read These Important Warnings

Because bankruptcy can have serious long-term financial and legal consequences, including loss of

your property, you should hire an attorney and carefully consider all of your options before you file.

Only an attorney can give you legal advice about what can happen as a result of filing for bankruptcy

and what your options are. If you do file for bankruptcy, an attorney can help you fill out the forms

properly and protect you, your family, your home, and your possessions.

Although the law allows you to represent yourself in bankruptcy court, you should understand that

many people find it difficult to represent themselves successfully. The rules are technical, and a

mistake or inaction may harm you. If you file without an attorney, you are still responsible for knowing

and following all of the legal requirements.

You should not file for bankruptcy if you are not eligible to file or if you do not intend to file the

necessary documents.

Bankruptcy fraud is a serious crime; you could be fined and imprisoned if you commit fraud in your

bankruptcy case. Making a false statement, concealing property, or obtaining money or property by

fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up

to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Chapter 12: Repayment plan for family

farmers or fishermen

Under chapter 13, you must file with the court a plan

to repay your creditors all or part of the money that

you owe them, usually using your future earnings. If

the court approves your plan, the court will allow you

to repay your debts, as adjusted by the plan, within 3

years or 5 years, depending on your income and other

factors.

After you make all the payments under your plan,

many of your debts are discharged. The debts that

are not discharged and that you may still be

responsible to pay include:

domestic support obligations,

most student loans,

certain taxes,

debts for fraud or theft,

debts for fraud or defalcation while acting in a

fiduciary capacity,

most criminal fines and restitution obligations,

certain debts that are not listed in your

bankruptcy papers,

certain debts for acts that caused death or

personal injury, and

certain long-term secured debts.

$200 filing fee

+ $75 administrative fee

$275 total fee

Similar to chapter 13, chapter 12 permits family farmers

and fishermen to repay their debts over a period of time

using future earnings and to discharge some debts that

are not paid.

Chapter 13: Repayment plan for

individuals with regular

income

$235 filing fee

+ $75 administrative fee

$310 total fee

Chapter 13 is for individuals who have regular income

and would like to pay all or part of their debts in

installments over a period of time and to discharge

some debts that are not paid. You are eligible for

chapter 13 only if your debts are not more than certain

dollar amounts set forth in 11 U.S.C. § 109.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 3

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Warning: File Your Forms on Time

A married couple may file a bankruptcy case

together—called a joint case. If you file a joint case

and each spouse lists the same mailing address on the

bankruptcy petition, the bankruptcy court generally will

mail you and your spouse one copy of each notice,

unless you file a statement with the court asking that

each spouse receive separate copies.

Understand which services you could receive from

credit counseling agencies

The law generally requires that you receive a credit

counseling briefing from an approved credit counseling

agency. 11 U.S.C. § 109(h). If you are filing a joint

case, both spouses must receive the briefing. With

limited exceptions, you must receive it within the 180

days before you file your bankruptcy petition. This

briefing is usually conducted by telephone or on the

Internet.

In addition, after filing a bankruptcy case, you

generally must complete a financial management

instructional course before you can receive a

discharge. If you are filing a joint case, both spouses

must complete the course.

You can obtain the list of agencies approved to provide

both the briefing and the instructional course from:

http://justice.gov/ust/eo/hapcpa/ccde/cc_approved.html

.

In Alabama and North Carolina, go to:

http://www.uscourts.gov/FederalCourts/Bankruptcy/

BankruptcyResources/ApprovedCredit

AndDebtCounselors.aspx.

If you do not have access to a computer, the clerk of

the bankruptcy court may be able to help you obtain

the list.

Section 521(a)(1) of the Bankruptcy Code requires that

you promptly file detailed information about your

creditors, assets, liabilities, income, expenses and

general financial condition. The court may dismiss your

bankruptcy case if you do not file this information

within the deadlines set by the Bankruptcy Code, the

Bankruptcy Rules, and the local rules of the court.

For more information about the documents and

their deadlines, go to:

http://www.uscourts.gov/bkforms/bankruptcy_form

s.html#procedure.

Bankruptcy crimes have serious consequences

If you knowingly and fraudulently conceal assets

or make a false oath or statement under penalty

of perjury—either orally or in writing—in

connection with a bankruptcy case, you may be

fined, imprisoned, or both.

All information you supply in connection with a

bankruptcy case is subject to examination by the

Attorney General acting through the Office of the

U.S. Trustee, the Office of the U.S. Attorney, and

other offices and employees of the U.S.

Department of Justice.

Make sure the court has your mailing address

The bankruptcy court sends notices to the mailing

address you list on Voluntary Petition for Individuals

Filing for Bankruptcy (Official Form 101). To ensure

that you receive information about your case,

Bankruptcy Rule 4002 requires that you notify the court

of any changes in your address.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 4

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B2030 (Form 2030) (12/15)

United States Bankruptcy Court

Northern District of Illinois, Eastern Division

In re Kanarowski, Michael & Kanarowski, Judy Case No.

Debtor(s) Chapter 7

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR

1. Pursuant to 11 U .S.C. § 329(a) and Fed. Bankr. P. 2016(b), I certify that I am the attorney for the above named debtor(s) and that

compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services rendered or to

be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows:

For legal services, I have agreed to accept $ 1,500.00

Prior to the filing of this statement I have received $ 1,500.00

Balance Due $ 0.00

2. The source of the compensation paid to me was:

 Debtor  Other (specify):

3. The source of compensation to be paid to me is:

 Debtor  Other (specify):

4. I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law

firm.

 I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A

copy of the agreement, together with a list of the names of the people sharing in the compensation is attached.

5. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:

a. [Other provisions as needed]

6. By agreement with the debtor(s), the above-disclosed fee does not include the following service:

CERTIFICATION

I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in

this bankruptcy proceeding.

August 2, 2016 /s/ Erich Monzon

Date Erich Monzon

Signature of Attorney

The Law Offices of Erich G. Monzon

466 Central Ave Ste 34

Northfield, IL 60093-3031

(847) 386-6185 Fax: (847) 386-6203

emonzon@gmail.com

Name of law firm

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